Laiba Shujat

Finance and Treasury professional with a BS in Accounting & Finance from the Institute of Business Management, and hands-on experience in treasury operations, trade finance, and digital payments. Proven track record at Indus Motor Company Ltd. and Unity Foods Limited in managing end-to-end foreign trade, LC processing, SBP-compliant remittances, liquidity management, and corporate banking solutions. Skilled in bank reconciliations, working capital management, and cross-functional stakeholder coordination, with additional exposure to financial due diligence through KPMG.

Committed to driving operational efficiency in dynamic financial environments.

Assistant Manager – Treasury Finance - Indus Motor Company Ltd. (Toyota) - Karachi, Pakistan

(2025-01)

• Foreign Remittances & SBP Compliance: Managed all foreign remittance cases end-to-end — royalty, training fees, and service charges — ensuring full SBP regulatory compliance. Oversaw complex intercompany transfer cases, actively coordinating with the Thailand team to resolve cross-border transaction queries and ensure seamless execution. Prepared and submitted remittance cases to SBP, processed SAP postings, and maintained accurate records of all international payment transactions.
• FX Rate Negotiation & Cost Savings: Responsible for securing viable FX rates on high-volume remittance and LC retirement transactions across USD, JPY, and EUR. Actively negotiated with multiple banks, benchmarked live market rates against bank quotes, and demonstrated savings to management — ensuring Indus Motor consistently transacted at best available rates and minimising foreign exchange costs.
• LC & Trade Finance Operations — Inwards & Export Realization: Handled high-volume LC openings, amendments, enhancements, and document retirements across Indus Motor's full import portfolio. Processed import inwards and managed export realization transactions, ensuring timely receipt and accurate recording of export proceeds. Maintained LC outstanding schedules, managed bank-wise distribution aligned with manager directives, and processed all SAP postings — ensuring timely BL delivery across all
• LC Automation & Digital Payments Transformation: Introduced an LC automation portal that eliminated manual email-based requests, integrating directly with SAP for a seamless end-to-end LC workflow. Simultaneously pioneered the digitalisation of Indus Motor's entire payment infrastructure — onboarded all corporate banking portals enabling straight-through RTGS and IBFT processing.
• Banking Relations, Negotiations & Funded/Non-Funded Limits: Built and maintained strong relationships with key banking partners, negotiating competitive LC sight rates, remittance charges, and financing terms. Managed funded and non-funded banking limit utilisation, prepared BBFS and LAF documentation, and acted as the primary liaison for escalations, query resolution, and deal structuring.
• Bank Guarantees & Stakeholder Coordination: Managed CMA, Police, Army, and other bank guarantees end-to-end — from draft preparation and documentation through issuance and renewal — coordinating closely with internal departments and banking partners to resolve queries and ensure timely execution.
• Treasury Reporting, BBFS & Bank Reconciliation Oversight: Supported month-end close and treasury reporting; prepared Board Resolutions and banking facility documents for bank submissions. Assisted trainees in bank reconciliations across current, savings, and collection accounts, overseeing entry matching and ensuring accuracy of financial records.

Executive – Treasury & Digital Payments - Unity Foods Limited - Karachi, Pakistan

(2024-09 - 2025-01)

• Trade Finance & Working Capital: Managed trade facilities including securing LCs and coordinating trade-related securities. Negotiated with banks to secure favorable financing terms and optimise cost of funds.
• Daily Liquidity & Payments: Handled day-to-day working capital management and processed all banking transactions, ensuring timely and accurate execution of corporate payments across multiple accounts.

Project Trainee – Treasury & Digital Payments - Unity Foods Limited - Karachi, Pakistan

(2024-04 - 2024-08)

• Digital Banking Transformation: Led initiatives for digital banking solutions, managing the opening and onboarding of corporate accounts for Unity Foods and its group companies across major banks.
• Cash Management Integration: Ensured seamless integration of advanced cash management and corporate payment solutions with all major banking partners, improving payment processing efficiency.

Finance Intern – Deal Advisory Department - KPMG – Taseer Hadi & Co. - Karachi, Pakistan

(2023-08 - 2023-10)

• Financial Due Diligence: Supported due diligence processes for a prominent e-commerce platform, contributing to informed stakeholder decisions and valuation justification.
• Financial Modelling & Forecasting: Worked on financial analysis and built basic forecasting models for a leading company, improving accuracy in strategic planning and informed decision-making.

MBA - Business Analytics - Institute of Business Management (IoBM) (2025-01)

BS - Accounting & Finance - Institute of Business Management (IoBM) (2020-09 - 2024-05)

Matriculation & Intermediate - Metropolis Education System (2017-01 - 2020-09)