Mr. Muhammad Sufyan Zaibi holds a Master’s degree in finance and is an Associate of the Institute of Bankers Pakistan (AIBP). With over 19 years of banking experience in leading banks of Pakistan, including MCB, UBL, and his current position at BOK, he has extensive expertise in financing, risk management, and audit. Throughout his career, he has served in various critical roles, including credit hub head, credit risk reviewer, financial decision-maker, and credit auditor. He is well-versed in reviewing the bank’s Corporate, Commercial, SME, Consumer, and Agriculture financing portfolios.