Muneeb Khwaja

Financial and business analytics professional with 8+ years of experience across financial analysis, operational performance, risk management, audit, data analytics, and process improvement within highly regulated organizations. Experienced in analyzing financial and operational data, identifying trends and business risks, performing variance and exception analysis, developing management reporting and dashboards, and translating complex data into actionable insights for decision-making. Strong expertise in Excel, Power BI, data modeling, reporting automation, KPI development, process optimization, and stakeholder management, supported by an MBA in Finance, Master's in Economics, and CISA certification.

Proven ability to partner with cross-functional teams, identify inefficiencies and opportunities, improve processes, and communicate data-driven recommendations to financial and non-financial stakeholders.

Data Steward - Midland Transportation (An Irving Group Company) - Moncton, NB

(2025-06)

• Manage high-volume billing and delivery data, ensuring 99.8% accuracy across 700–1000 daily transactions.
• Verify, reconcile, and update freight invoices, PODs, and BOLs using AS400 (transportation billing) and FACT 2000 (courier billing) to ensure accurate and timely billing.
• Process add-ons for missing or delayed deliveries, ensuring charges are correctly captured and revenue leakage is minimized.
• Update and correct mid-ship billing accounts to reflect accurate customer and account information, preventing disputes.
• Support operational reporting and analytics, enabling better planning, cost monitoring, and process optimization.

Senior Auditor - Easypaisa Digital Bank (Formerly Telenor Microfinance bank) - Karachi, Pakistan

(2022-12 - 2025-03)

• Analyzed financial, operational, and transactional data to identify performance trends, exceptions, risks, inefficiencies, and opportunities for process improvement.
• Performed data-driven analysis and automated testing to identify unusual transactions, emerging trends, control gaps, and areas requiring management attention
• Evaluated business processes and operational performance against established policies, procedures, and performance expectations, identifying root causes and recommending practical improvements.
• Prepared management reports and presented analytical findings, business impacts, trends, and recommendations to senior stakeholders to support informed decision-making.
• Reviewed governance frameworks, processes, authority structures, and operational controls to identify opportunities to improve efficiency, scalability, and risk management.
• Partnered with cross-functional business and operational teams to understand requirements, analyze issues, develop corrective actions, and monitor implementation.
• Used data analytics and reporting automation to improve the efficiency and consistency of monitoring and management reporting.

Credit Risk & Audit Analyst - ORIX Leasing Financial Services - Karachi, Pakistan

(2020-01 - 2022-11)

• Analyzed portfolio performance, credit trends, and risk indicators to identify emerging risks and support management decision-making.
• Implemented an early-warning signals framework for high-risk sectors, contributing to a 15% reduction in defaults.
• Conducted quantitative analysis of customer and portfolio data to identify performance trends, exceptions, and opportunities for proactive intervention.
• Prepared analytical reports and Board Audit Committee presentations, translating complex findings into clear business insights and recommendations.
• Collaborated with business and operational teams to investigate performance issues, assess root causes, and implement process improvements.

Internal Auditor - JS Bank Ltd. - Karachi, Pakistan

(2016-04 - 2019-10)

• Led FATCA audit and ICFR testing across 300+ branches, ensuring regulatory compliance.
• Developed KYC dashboards and fraud detection tools, improving compliance monitoring.

Audit & Assurance Consultant - KPMG, Baker Tilly, and BDO - Karachi, Pakistan

(2012-02 - 2016-03)

• Conducted audits for listed and multinational clients, ensuring 100% compliance with IFRS and local GAAP.
• Recommended internal control enhancements, improving client process reliability.

Credit Collection Analyst - K-Electric - Karachi, Pakistan

(2010-01 - 2012-01)

• Analyzed receivables aging and customer account data for large industrial accounts to identify high-risk and overdue balances and prioritize recovery actions.
• Used financial and operational information to support collection strategies, accelerating recovery of aged receivables by 20%.
• Performed account reconciliation and investigated billing and collection discrepancies to resolve issues and reduce collection delays.
• Collaborated with legal, billing, and recovery teams to analyze customer issues, resolve disputes, and streamline the reconciliation process.

Master in Business Administration - Finance

Masters - Economics

Diploma - Business and Finance