Khawaja K.

Khawaja K. has extensive experience in banking regulation and supervision, currently serving as Joint Director in the Digital Banking Division at the State Bank of Pakistan since December 2016, where responsibilities include building frameworks for supervising digital banks. Previous roles include Joint Director in the Banking Supervision Division, focusing on annual supervisory plans and risk assessment, and Deputy Director in both the Research and Development Division, where a shift to Risk Based Supervision was implemented, as well as the Inspection Division, conducting comprehensive inspections using the CAMELS framework. Khawaja K. began a career at the State Bank of Pakistan as an Inspecting Officer and progressed through various positions, including Audit Officer and Assistant Director. Educational qualifications include a Master's in Public Administration from Lee Kuan Yew School of Public Policy and an M.Com in Finance from the University of the Punjab. Additional experience includes roles at Pakistan Telecommunication Company Limited and SME Bank Limited.