Kamani John

Highly driven Corporate and Investment Banking professional with 20 years of experience delivering strategic financial solutions across leading Pakistani commercial and investment banks. Proven track record in managing high-value institutional portfolios, mitigating credit risk, and advising on complex financial needs of state owned and multi-billion conglomerates.

UNIT HEAD (VP) – CORPORATE AND INVESTMENT BANKING GROUP - NATIONAL BANK OF PAKISTAN - Karachi, Pakistan

(2025-09 - 2026-08)

• Led a four-member team, developed capacity through shared leadership, empowerment and feedback designed workflows that improved productivity and efficiency.
• Managed a high-valued corporate portfolio of USD 350 Million, trade reciprocity of over USD 300 Million and a deposit base of USD 250 Million covering diverse industries including refinery, textile, sugar, steel, food and beverages, automobile, energy and energy infrastructure, shipbuilding and engineering and rice. Major clients that I have managed at NBP include PARCO Group, Atlas Group, HUBCO Group, Akhter Group, Alnoor Group, Naveena Group, PPL, Matco Foods, Karachi Shipyard & Engineering Wo
• Structured USD 5.4 Million working capital structure of a steel manufacturing company for reducing liquidity gaps and stabilizing operations. Achieved a funded advances growth of 40% by deepening/ new-to-bank (NTB) and streamlining the approval workflow for faster turnaround times. Successfully achieved 10% Trade Growth by providing pre and post shipment loans to capture incremental export volumes. Successfully booked 4 NTB accounts in 8 months and partnered with product teams to develop cash ma
• Worked as POC for budget, compliance and remediation exercises. Conduct periodic KYC and PEP reviews, adhered to policy and regulatory compliance with a focus on housekeeping.

TEAM LEADER (SVP I) – CORPORATE AND INVESTMENT BANKING GROUP - JS BANK LIMITED - Karachi, Pakistan

(2025-06 - 2025-09)

• Led a three-member team and managed a corporate loan portfolio of over USD 110 Million with trade reciprocity of over USD 40 Million covering diverse industries including textile, pharmaceutical, sugar, beverages, industrial chemicals, consumer goods, feed and poultry, pharma & healthcare. Worked as POC for budget, compliance and remediation exercises. Conduct periodic KYC and PEP reviews, adhered to policy and regulatory compliance with a focus on housekeeping.

SENIOR RELATIONSHIP MANAGER (DGM I) – CORPORATE AND INVESTMENT BANKING GROUP - HABIB BANK LIMITED - Lahore and Karachi, Pakistan

(2019-06 - 2025-06)

• Managed a corporate loan portfolio of over USD 315 Million with trade reciprocity of over USD 120 Million covering diverse industries including power & infrastructure, sugar, real estate, beverages, automobiles, textile, industrial chemicals, consumer goods, feed and poultry, pharma & healthcare.
• Major clients at HBL include Millat Group, Metro Group, Almoiz Group, Nimir Group, Orient Group, JDW Group, Fatima Group, Punjab Thermal Power, Nestle, MAF Hypermarket (Carrefour), and Descon Group (including off-shore accounts) in Lahore. Also, Indus Group and Popular Group etc in South. Major deals include project financing & participation in USD 476 Million power plant project, USD 14 Million real estate project & USD 7 Million solar based projects.
• Sourced international banking leads for HBL global teams to onboard group companies of existing corporate clients. Managed USD 13.5 Million in overseas depository relationships for major conglomerates including Millat Group and Descon Group. Spearheaded a $5M equity financing deal for Orient Group in coordination with HBL UAE. Executed a USD 5 Million trade and supplier financing transaction for Nimir Group and its Singapore-based supplier, AAA Oils, via HBL Singapore. Coordinated cross-border o
• Advised clients on raising funds for capex, trade finance, working capital, interest rates and foreign exchange dynamics, hedging and offshore borrowing and risk management.
• Led a Supplier financing deal for a top tractor manufacturer, successfully onboarding 20 new SME relationships. Secured cash management mandates for cash, payroll, and IPG with two major Pakistani wholesale/retail chains under transfer pricing.

RELATIONSHIP MANAGER (AVP) – CORPORATE AND INVESTMENT BANKING GROUP - UNITED BANK LIMITED - Lahore, Pakistan

(2014-06 - 2019-06)

• Managed a corporate loan portfolio of USD 65 Mn including restructured accounts with annual trade volume of USD 70 Million covering industries including textile, sugar, bottle manufacturing, power and allied electronics, food and edible oil, manufacturing of electrical/ transmission cables industry.
• Major clients at UBL included Nishat Chunian Group, Lotte Akhtar Beverages, Tandlianwala Sugar Mills Ltd, Newage Cables Ltd, Tahir Omer Industries Ltd, Master Group. Performed bi-weekly calls for relationship building and to identify prospective business opportunities. Prepared credit proposals of companies, performing detailed qualitative & financial analysis, assessing working capital requirements, carrying out industry research, financial modeling, financial & cash flow projections and risk a

CREDIT AND OPERATIONAL RISK ANALYST (MG) – RISK MANAGEMENT GROUP - ALLIED BANK OF PAKISTAN - Lahore, Pakistan

(2009-07 - 2014-06)

• Development of Operational Risk framework in coordination with A.F. Ferguson & Co and devised ORM policies and procedures. Key Risk Indicators assessment and designed RCDA and CISA procedures and policies for periodically coordinating the RCSA process through various means for example questionnaires/checklists, focus groups etc. Represented Operational Risk Department on a joint project with SAS Enterprise to provide integrated solution for Operational Risk. Mapping of operational procedures und

CUSTOMER CARE REPRESENTATIVE – PREMIER BANKING - NIB BANK - Lahore, Pakistan

(2007-06 - 2009-07)

MBA - FINANCE (EXECUTIVE) - University of Central Punjab (2008 - 2010)

BSC - COMPUTER SCIENCES & BUSINESS - Kinnaird College for Women (2003 - 2007)