Karamat Shaikh

A challenging opportunity where my abilities and analytical skills will utilize towards growth of organization with my professional growth based on performance.

Customer Engagement Officer at Bank Islami Ltd (2026-08 – Present)

• Answer incoming calls and manage outbound service or sales calls within target response times.
• Assist clients with balance inquiries, fund transfers, card blocks, and complaint registration.
• Cross-sell bank products like credit cards, loans, or insurance schemes when required.
• Maintain accurate records of customer interactions in the database

Administration and Agent Credit Controller at Small World FS - UK-Based Multinational Money Transfer Company (2021-06 – 2025-12)

• Managed and streamlined administrative functions, including scheduling, meeting coordination, office systems, vendor relations, HR support, payroll assistance, and document management, ensuring seamless daily operations and organizational growth.
• Achieved 100% accuracy in reconciling customer accounts, bank statements, and remittance transactions, strictly adhering to compliance standards.
• Maintained and updated MIS reports, dashboards with variance analyses, and detailed remittance reconciliations to senior management for strategic decision-making and performance monitoring.
• Leveraged digital tools and communication platforms (e.g., Zoom, MS Teams, Slack, WhatsApp, AnyDesk, Google Meet and MS Outlook) to enhance cross-functional collaboration, streamline workflows, and significantly boost team productivity.

Document Controller at Habib Bank Limited (2020-11 – 2021-05)

Property Management & General Administration

• Maintained and updated lease agreements, addendums, renewals, and property documentation for bank branches nationwide.
• Assisted in lease renewal processing and documentation coordination.
• Coordinated with legal and finance teams for lease execution and compliance.
• Supported branch relocation documentation and ATM site documentation process.
• Coordinated with branches and landlords regarding lease documentation, rent schedules, and approvals.
• Processed rental disbursements, vendor invoices, and expense memos through MISYS ERP.
• Prepared stamp duty requests, property tax documents, and regulatory compliance documentation.
• Assisted in lease execution, documentation verification, and record maintenance.
• Maintained updated lease database and MIS reports for management review.
• Ensured proper filing and tracking of lease expiry dates and rental payment schedules.

Officer OGIII -CAD at Soneri Bank Limited (2015-02 – 2016-12)

• Prepared Credit Worthiness Reports (ECIB) for consumer and corporate clients assisting branches in credit risk assessments.
• Updated and Maintained MIS report, documentation, and daily inflows/outflows of credit approvals, insurance, and stock reports to ensure the compliance.
• Coordinated with CIBG, CRBG, Islamic Banking, and branches to resolve documentation issues, recoveries and support smoothcross-department operations.
• Processed credit limit disbursements (funded, non-funded and Agri)and markup calculations (KIBOR, WAR and Current Rate) in the Sonaware ERP System and ensured pricing 100% accuracy.

Project Officer at Soneri Bank Limited (2016-01 – 2016-12)

• Represented the Credit Administration Department to provide end-to-end support for the implementation and operations of Temenos T24 ERP Banking System.

Support Officer- CIU at Bank Alfalah Limited (2014-04 – 2015-01)

• Reviewed consumer financing applications for completeness, accuracy, compliance and resolved discrepancies by coordinating with sales, external verifications and data entry teams ensuring smooth processing.
• Conducted and prepared telephonic verifications, DBR (Debt Burden Ratio) analysis reports, Data Check reports and credit worthiness reports ECIB for risk assessment.
• Prepared regulatory compliance reports NADRA, Bio Metric/Sys, OFAC and UNISC ensured adherence to credit policies.
• Managed and updated documents verifications, final applications review and MIS reports supporting 100% accurate approvals and audit readiness with the bank policies.

Master in Business Administration – Pakistan Air Force – Karachi Institute of Economics and Technology (PAF-KIET) (2009 – 2009)

Bachelor of Business Administration – University of Karachi (2005 – 2005)

Intermediate Science in Pre-Engineering – HSSC Board Karachi (2001 – 2001)

Matriculation Science – SSC Board Karachi (1997 – 1997)