HEWT's work is supported by dedicated leaders, employees, directors, volunteers, and local representatives who work together to advance the organization's mission.

Sami is a Karachi, Pakistan-based professional with an MBA in Marketing & Finance, specializing in project development and social impact. At HEWT, he leads Operations, Marketing & Special Projects, driving poverty alleviation through micro-credit lending. His expertise spans project management, technology implementation, and stakeholder engagement, helping create practical, lasting impact.
He can be reached at: [email protected]
Zia is an experienced banking and operations professional with over 13 years in the financial sector, including a long tenure at Telenor Microfinance Bank across verification, recovery, and branch operations. He served as Supervisor of Verification in Karachi and later as Branch Manager of the Landhi Branch, following four years of verification experience at Standard Chartered Bank. He currently serves at HEWT as Zonal Head – South, overseeing operations across Sindh and Balochistan, while also serving as Head of Recovery for HEWT's nationwide operations. He holds a Bachelor of Arts (BA) in Education.
He can be reached at: [email protected]


Faiza Naz is a finance professional with over 9 years of experience in finance, audit, microfinance, and nonprofit organizations. She currently serves as Deputy Manager Finance at HEWT Foundation, where she contributes to financial management, budgeting, reporting, compliance, audit coordination, and strengthening internal financial controls.
She holds an Executive MBA from the Institute of Business Administration (IBA), Karachi, and an M.Com from the University of Karachi. Her professional work supports HEWT Foundation’s mission of women empowerment, financial inclusion, and sustainable community development.
She can be reached at [email protected].
Ali Raza Khuwaja serves as Associate Manager Finance & Administration at HEWT Foundation. He is responsible for managing financial and administrative operations, including financial planning, budgeting, reporting, documentation, and coordination of day-to-day financial activities. He also supports loan disbursement and repayment tracking, banking matters, and other finance and administrative functions of the organization.
He can be reached at: [email protected]

The Board consists of experienced leaders responsible for:
Strategic direction and capital allocation
Oversight of programs and operations
Ensuring transparency, compliance, and impact

Zulki Khan is a technologist, an angel investor, a published author of over 100 technical papers, a serial entrepreneur with 25+ years of experience, and has business interests and activities spread across five continents – North & South America, Europe, Asia, and Africa. He has been a founder/co-founder of over half a dozen companies, including multiple technologies and manufacturing concerns, a state-of-the-art medical device company, real estate construction and building enterprises, media and production houses, precious metals mining and refining corporations, and other charitable endeavors. He holds BSEE and MBA degrees and can be reached at [email protected].
Zahid manages the daily operations of HEWT. Before his time at HEWT, he worked at the Employees’ Old-Age Benefits Institution (EOBI) in Pakistan, a government ministry providing pensions and financial support to people upon retirement. He had many roles at EOBI, ranging from Regional Head to Assistant Director of IT. Zahid enjoys learning about Transcendental Meditation and Vipassana Meditation and often attends meditation retreats worldwide. He is a graduate of the Science of Creative Intelligence course and teaches Transcendental Meditation.


Haider handles all financial operations at HEWT, including planning, analysis, and collecting and tracking of loan repayments. He worked in many finance-related roles at the Employees’ Old-Age Benefits Institution (EOBI) in Pakistan, including as Assistant Director General of Finance.
Shujat oversees all accounting operations within HEWT, including audits and investment management. He has a BA in Statistics and Mathematics and an MA in Statistics from Karachi University in Pakistan and has earned a fellowship at the Institute of Actuaries in London. Before his time at the HEWT, Shujat had roles at the Employees’ Old-Age Benefits Institution (EOBI), Akhtar & Hasan Limited (a consulting firm in Pakistan), United Nations Development Program, and General Life Company in London.

HEWT works with local representatives who help the organization understand community needs and identify individuals with viable income-generating opportunities.
Local representatives may assist potential beneficiaries with the application process, help monitor the appropriate use of funds, and support communication during the repayment process.
Volunteers contribute their time, knowledge, professional skills, and community connections to help HEWT advance its mission.

Human Empowerment and Welfare Team (HEWT) is a registered 501(c)(3) public charity. EIN: 33-1764109. All program funding is 100% interest-free, contains zero hidden fees, and is provided solely to reduce poverty and empower underserved communities.
Human Empowerment and Welfare Team (HEWT)
15136 Via Lomita Drive
Monte Sereno, CA 95030
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