Lubna has over 18 years+ of experience in Credit and other cross functions including customer service, operations, telemarketing & sales. A highly motivated and result-driven professional, with an attitude to excel and innovate with a vision to improve efficiencies and streamline processes.

During her tenure at Citibank, Lubna successfully built and managed a financial and credit analysis retail credit portfolio of $500M. Lead a team of 18 team members analyzing retail applications of personal, salary transfer, and mortgage loans. Lubna led and managed the launch of banking system integration to transition to a better-automated banking system saving net cost worth over $200M per annum to the bank and oversaw the credit operations outsourced to third parties in Bahrain and India.

Lubna possesses a critical understanding of the credibility of individual and corporate financials for leveraging and lending any financial products to build a credible and worthy portfolio across segments and businesses.