Mr. Shoaib brings over two decades of experience in the banking industry, with strong expertise in debt collections, recoveries and litigation management. His career includes key leadership roles at leading financial institutions such as United Bank Ltd., MCB Bank Ltd. and Standard Chartered Bank. For the past three years (September 2022–2025), Mr. Shoaib has been associated with KMBL on secondment, during which he played a pivotal role in establishing the Collection & Recovery Department, now evolved into the Special Asset Management (SAM) function. His deep insight into collections, recoveries and litigation significantly strengthened the Bank’s recovery framework and contributed to several strategic portfolio-management initiatives.