Open to opportunities

Zobia Khan

@zobiakhan

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Experienced relationship manager specializing in Islamic corporate and commercial banking.

Pakistan

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What I'm looking for

I seek a role in Islamic corporate/commercial banking where I can lead credit origination, manage large portfolios, drive compliant growth, and develop within a collaborative, growth-oriented team.

I am an experienced Relationship Manager with a strong background in Islamic corporate and commercial banking, having managed a PKR 7Bn portfolio of funded and non-funded facilities across multiple industries.

I prepare Credit Line Proposals, perform financial and security analysis, coordinate cross-functionally with Credit Administration, Trade Services, Treasury Sales, Risk Management and Compliance, and resolve client issues to sustain portfolio growth. I work daily with Temenos T-24 and MS Excel for portfolio tracking, forecasting and documentation. I also have hands-on experience in credit documentation, collateral management and recovery processes.

I hold an MBA in Finance and certifications in Islamic finance and core credit, with Excellent Performer awards in 2022 and 2023, and I am seeking opportunities to lead credit origination, portfolio management and Islamic finance initiatives.

Experience

Work history, roles, and key accomplishments

Relationship Manager

Habib Bank Limited

Nov 2021 - Dec 2024 (3 years 1 month)

Managed a PKR 7Bn corporate and commercial financing portfolio across construction, manufacturing, services, fertilizer and supply-chain sectors; prepared credit proposals, financial forecasts and risk mitigation for fresh, interim and renewal facilities.

Relationship Management Financial Modeling Portfolio Management Risk Assessment Islamic Banking

Assistant Relationship Manager

JS Bank Limited

Feb 2021 - Nov 2021 (9 months)

Prepared detailed credit proposals including management and risk analysis and ensured customer transactions complied with regulatory requirements while resolving client issues to maintain satisfaction.

Credit Analysis Regulatory Compliance Client Servicing Financial Analysis Risk Assessment Payroll & Disbursement Review

Credit Documentation Officer

Meezan Bank Limited

Sep 2017 - Feb 2021 (3 years 5 months)

Reviewed and validated Islamic financing and security documentation to ensure legal enforceability per Shariah and recovered repayments while managing collateral records in T-24.

Islamic Finance Documentation Legal Enforceability Collateral Management Compliance

Home Teacher

The City School

Jun 2016 - Jun 2017 (1 year)

Delivered individualized home tuition aligned with school curriculum, preparing lesson plans and assessments to support student learning objectives.

Lesson planning Assessments Classroom Management

Home Teacher

The Head Start School

Jun 2015 - Jun 2016 (1 year)

Provided one-on-one home tutoring, developed lesson materials and monitored student progress to support academic growth.

Lesson planning Time Management Communication

Class Teacher

The Benchmark School

Jun 2013 - Jun 2015 (2 years)

Taught classroom cohorts, implemented lesson plans and assessments, and managed classroom activities to maintain a structured learning environment.

Classroom Management Lesson planning Assessments Communication

Education

Degrees, certifications, and relevant coursework

Iqra University

Master of Business Administration, Finance

2015 - 2019

Activities and societies: Head of Student Union - Student Council (2018); Microsoft Virtual Internship (2020); Workshop on Sustainability and E-Learning Program.

Completed Master of Business Administration (Finance) at Iqra University from 2015 to 2019.