Nabiya Kanwal

Detail oriented banking professional with a Bachelor's in Commerce and currently pursuing BS in Accounting & Finance.

Since

September 2022, I have been working as an Operations Executive in both the Central Business Control Unit (CBC) and Central Control Unit (CCU) of Habib Bank Ltd., gaining hands on experience in credit processing, customer service, and compliance. Committed to accuracy, efficiency, and continuous growth within the financial sector.

Operation Executive - Habib Bank Limited - Karachi, Pakistan

(2022-09)

• Verified branch sales by confirming final purchase approvals received from customers, ensuring sales accuracy and compliance.
• Processed a range of Jubilee Insurance products, including both Islamic (Shariah compliant) and conventional plans.
• Handled customer inquiries from bank branches nationwide via email, including managing Customer Information Forms and ensuring accurate data capture.
• Provided detailed product guidance to customers, explaining features, policies, and terms & conditions to support informed decisions.
• Supported onboarding of new clients by conducting KYC checks, performing risk assessments, and setting up banking facilities.
• Managed a portfolio of clients, ensuring timely renewals, follow ups, and performance monitoring to maintain strong client relationships.
• Maintained and analyzed MIS reports covering active, overdue, expired, and restructured accounts to support credit monitoring and risk control.
• Coordinated with credit risk, legal, CCU, and operations teams for end to end processing of credit facilities, ensuring regulatory and policy compliance.
• Prepared comprehensive credit proposals, including facility structuring, risk analysis, and recommended mitigants for decision making.
• Conducted periodic reviews and compliance checks of credit files to ensure adherence to internal policies, regulatory requirements, and audit standards, reducing operational risk.

BS - Accounting & Finance - Allama Iqbal Open University (2024-01)

Bachelor of Commerce - Commerce - University of Karachi (2020 - 2021)