Company Overview
In 1984, a former Citibanker, Mr. Abubaker Kareem, had a vision. He believed that banks and companies needed more support in managing their people, records, and responsibilities. He started a small company to fill this gap. What began as a family-run Credit & Commerce Consultants (Pvt) Ltd. turned into one of Pakistan's most trusted names in outsourcing in perspective of prevailing labour laws especially Industrial Relation, human resources, credit support, compliance. Over the years, the business had grown into a group of companies, known as the C&C Group, which includes:
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Credit & Commerce Consultants (Pvt) Ltd
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3C Corporation
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Data runner (pvt) Ltd
C&C takes pride in delivering high-quality, outsourced services to multinational/local banks, and commercial/industrial enterprises, enabling them to focus on their core operations while we manage their peripheral
activities with professionalism and expertise.
Our commitment to excellence, innovation and client satisfaction has positioned us as a trusted partner in the financial and corporate sectors.
C&C is operating with skilled and experienced team of professionals who are operating relevant departments of our companies independently within their stipulated discipline but in close liaison with each
other at all times. They are competent to process all types of requests from customers independently
MISSION
To be the most trusted and forward-thinking partner for organizations seeking reliable solutions in people management, credit control, and compliance. We aim to create workplaces that are not only efficient but also fair, respectful, and legally secure. Through our experience, integrity, and client-first approach, we strive to build long-term relationships and support the success of every client we serve
VISION
To provide accurate, dependable, and affordable outsourcing solutions tailored to each client's needs.
To support businesses in maintaining compliance with labor, financial, and legal regulations
To ensure smooth and secure operations through technology, training, and experienced professionals.
To lead the way in industrial relations services, resolving conflicts and promoting harmony in the workplace
OUTSOURCED PROJECTS
C&C is specialist Service Providers and HR Consultants for financial institutions and commercial/industrial organizations, arranging and/or supervising qualified, trained, experienced and reliable personnel for appointment as permanent and/or temporary and outsourced staff. C&C is presently supervising a good number of such temporary staff who has been deputed to various departments of the clients.
C&C is operating with a number of senior staff having expertise in their respective fields, who impart training to junior staff thereby creating a team of dedicated workers. One such job is the preparation of Foreign Exchange Returns, while a number of
Data Entry projects have also been undertaken on customized systems.
Following projects were outsourced to C&C some of them are being operated successfully for the last many years.
- Reconciliation of Assets
- Foreign Exchange Returns
- Inward and Outward mail departments
- Direct sale agents for credit cards and personal loans and autos
- Data entry of credit applicatipns
- Data entry of loan applications
- Scanning of Documents
- Address/documents verification
- Credit card payment processing (through Drop Boxes)
- Management of ware houses for record/documents
- Management of Human Resources
- Maintenance of payroll
MAIN SERVICES
HR Outsourcing and Payroll Management
We Handle :
- Attendance, leave, and overtime records
- Payroll processing and timely salary payments
- EOBI, SESSI, and other legal benefits
- Recruitment and placement of skilled and unskilled staff
Credit Control and Support
- Verifying credit and loan applications
- Processing customer payments from drop boxes
- Scanning and entering data
- Organizing credit card records
- Customer address and document verification
Document and Warehouse Management
- Archiving old documents for easy access
- Scanning files for digital use
- Tracking issued documents
- Maintaining storage warehouses for banks and companies
Financial and Legal Compliance
- Registering documents with SECP
- Property and mortgage assistance Warehouse security and collateral management
- Stock inspections
- SECP record search and charge registration
Verification of Educational Documents Reference Check of Employees
Other Services:
Mail management.
C&C provided Mail Management Services to at least three multinational banks at their site as well as off-site (at C&C premises). C&C integrated operation offered comprehensive range of support services which included mail sort-out, dispatch services, supervising inbound mail gathered from various departments/ branches/ drop-boxes and regional centers, also handling of documents, dispatch of statements of accounts and credit cards and then preparation of relevant MIS
Consumer Financing
-- Sales Marketing.
C&C Group offered specialized services in the field of consumer financing.
We have adequate experience in managing DSA structure and have operated at least seven such DSAs in Karachi, Faisalabad and Lahore. Also a franchise DSA was established by us for a multinational bank in Hyderabad.
Besides C&C is offering services for reference checks, verification of education documents of Sales personnel hired by the banks on contractual as well as permanent basis. Also undertake address/telephone/Bank statements verification of the prospective customers.
-- Card Holder Payments
C&C has provided specialized services to banks i.e. Card Holder Payment Processing. This service is based on credit card payments received through drop boxes placed at different places of the city. The data of articles received collated on a customized system of data input. This service also included screening of cheques, stamping for clearing, and making the cheques ready for clearing in batches.
The project was managed offsite at C&C premises and finally send the cheques to bank for onward forwarding to NIFT.
INTRODUCING
INDUSTRIAL RELATIONS ADVISORY SERVICES
We now proudly offer Industrial Relations (IR) Consultancy.
Managing a workforce in today�s environment is more than just handling payroll, it's about creating harmony, trust, and compliance across all levels of employment. Whether a business is dealing with contract or permanent staff, our Industrial Relations (IR) service is designed to protect both productivity and legal standing. C&C supports clients in maintaining a stable and law-compliant workplace, helping them avoid conflicts and build better relationships with their teams
Workplace Conflict Management
- Resolving employees grievances
- Handling disciplinary actions and conducting fair inquiries
Policy and Compliance Support
- Drafting and suggest appropriate clauses keeping employers� safe in developing HR policies in perspective of legitimate rights of staff.
- Ensuring legal compliance under labour laws
TARGET MARKET
Banking & Financial Institutions
C&C's largest and most consistent client base comes from the banking sector. These institutions require secure, compliant, and scalable support for daily operations. We assist them with:.
- Payroll processing and outsourced staffing
- Loan and credit card application handling
- Regulatory filings and SECP support
- Document scanning, storage, and verification
With over many decades of experience, we had built strong, longterm partnerships with leading banks across Pakistan.
Manufacturing & Industrial Units
This fast-growing sector depends on outsourced HR, labor law compliance, and operational support. C&C helps industrial clients manage:.
- Contract and shift-based staffing
- Attendance, leave, and payroll systems Labor court matters and union negotiations through our new Industrial Relations services
- Industrial Relations services
- Compliance with labor laws and internal policy development
We bring structure, peace, and legal safety to complex workforce environments.
WHO WE WORK WITH ?
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C&C proudly serves a diverse portfolio of clients across Pakistan, helping them streamline operations, manage people, and stay compliant. From financial institutions to factories, we support
businesses that rely on structured processes and dependable outsourced services
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OUR CORE CLIENT SEGMENTS:
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Established Legacy & Trust.
Over 40 years of experience with a strong reputation in the banking and corporate sectors.
Experienced Leadership.
Founded by an ex-Citibanker and run by professionals from banking, legal, HR, and technical backgrounds.
Comprehensive Service Portfolio.
Offers a one-stop solution: credit control, HR outsourcing, payroll, compliance, document warehousing, SECP matters, and now industrial relations.
Client Integration Capability.
Strong track record of placing and managing outsourced staff at client sites � including banks, warehouses, and DSAs.
Customized, Localized Solutions.
Services are tailored to Pakistani regulatory and market needs, including compliance with Sindh and Punjab labuor laws.
Multi-Company Group Structure.
Operates as part of a group (C&C Consultants, 3C Corporation, Data Runner) for operational flexibility and specialization.
COMPANY TRACTION
Over the past four decades, C&C has grown from a single-service credit consultancy into a multidimensional business partner trusted by top banks and industrial clients across Pakistan. Our journey reflects consistent delivery, adaptability, and long-term impact.
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40+ YEARS OF SUCCESSFUL JOURNEY
40 years journey of the company operations is a significant milestone that reflects resilience, adaptability and sustained growth. Here are some key partners associated with such a long and successful journey.
| Comprehensive Outsourcing Solutions | From HR and payroll to document handling and SECP compliance, we offer end-to-end support ,so clients can focus entirely on their core business |
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| Reduced Operational Risk | Clients avoid penalties, delays, and compliance failures, saving cost and protecting reputation. |
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| Regulatory & Legal Compliance Support | We ensure all employment, financial, and labor processes by following Pakistani laws - including SECP, EOBI, SESSI and Industrial Relations compliance. |
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| Increased Efficiency & Productivity | With back-office tasks fully handled by C&C, internal teams have more time and focus for strategic goals and revenue-generating tasks. |
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| Reliable Workforce Deploymen | We provide qualified, trained staff from data entry to senior HR with supervision, training, and ongoing support handled by our team. |
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| Stability in Workforce & Labor Relations | Through our Industrial Relations service, clients experience fewer disruptions from labor issues, strikes, or grievances. |
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1 - Industrial Relations is in demand now.
More companies are struggling with union issues and labor problems. C&C can become their trusted advisor by offering IR services like dispute handling and legal support.
2 - We can serve more than just banks.
Our experience in banks is strong, but now we can help textile factories, warehouses, exporters, and logistics companies who also need HR and labor support.
3 - Labor law compliance is getting serious.
Many businesses need help following the rules. We already know how to manage EOBI, SESSI, and SECP; now we can turn that into full legal and HR packages.
4 - We can go digital to grow faster.
By offering simple HR software, attendance apps, or salary dashboards, we can make our services modern and attract techsavvy clients.
5 - Mid-sized companies need people like us.
Small and medium businesses can’t hire full HR teams. We can give them smart, low-cost packages to manage payroll, legal issues, and staff problems.
6 - Government contracts can open new doors.
With our IR services, we can now apply for public sector projects and help government departments manage their staff and compliance needs.
Testimonials
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