Assisstant Manager Credit Initiation Unit

Mobilink Microfinance Bank Ltd; Islamabad; On-site; PKR 1,800,000 - 2,800,000; Full time

Job summary

Mobilink Microfinance Bank Ltd is seeking an Assisstant Manager Credit Initiation Unit to evaluate and approve credit and Islamic financing proposals within delegated authority. You will ensure compliance with SBP rules, manage risk, and coordinate with multiple functions to drive automation and efficiency.

The role requires strong analytical skills, knowledge of Shariah governance, and proficiency in credit processing systems and MS Office.

Qualifications

• Bachelor’s degree in Business Administration/Banking & Finance/Agriculture/Economics/Accounts.
• 2–4 years of experience in credit assessment, credit approval, risk management, or banking operations.
• Strong knowledge of SBP Prudential Regulations, credit policies, AML/CFT requirements and collateral management.
• Understanding of Islamic finance products, Shariah governance requirements and financing documentation.
• Proficiency in credit processing systems, workflow automation, UAT and MS Office.

Responsibilities

• Evaluate and approve or recommend conventional and Islamic credit/financing proposals within delegated authority.
• Ensure compliance with SBP Prudential Regulations, internal credit policies and regulatory guidelines.
• Coordinate with Business, Product, Operations, Risk, Compliance and Shariah functions to implement financing programs.
• Define covenants, collateral requirements and risk mitigants for credit exposures.
• Identify and drive process automation, workflow improvements and faster turnaround times.

Skills

Analytical skills

Decision making

Communication

Stakeholder management

Problem solving

Education

Bachelor’s degree in Business Administration/Banking & Finance/Agriculture/Economics/Accounts

Tools

MS Office

Credit processing systems

Job description

Assisstant Manager Credit Initiation Unit

• What is Assisstant Manager Credit Initiation Unit - MMBL?
  • Responsible for evaluating and approving/recommending conventional and Islamic credit/financing proposals within delegated authority, ensuring sound credit judgment, regulatory compliance, and effective risk mitigation. Oversee credit quality, collateral adequacy, portfolio monitoring, and adherence to SBP, AML/CFT, and Shariah requirements. Collaborate with business and support functions to enhance credit processes, drive automation initiatives, and ensure efficient, accurate, and timely credit operations.
• What Assisstant Manager Credit Initiation Unit - MMBL does?
  • Assess secured and unsecured credit/financing proposals for creditworthiness, repayment capacity, collateral adequacy, credit bureau history, and compliance with approved lending parameters.
  • Approve or recommend conventional credit and Islamic financing facilities within delegated authority, ensuring sound credit judgment and appropriate risk mitigation.
  • Ensure compliance with SBP Prudential Regulations, internal credit policies, approved product programs, AML/CFT/CPF requirements, and other applicable regulatory guidelines.
  • For Islamic financing, ensure proposals, structures, approvals, conditions, and documentation are consistent with approved Shariah-compliant products and the applicable Shariah Governance Framework.
  • Define appropriate covenants, conditions, collateral/security requirements and risk mitigants to safeguard the Bank's exposure and ensure completion of pre- and post-disbursement requirements.
  • Review portfolio irregularities, excesses, exceptions and early warning indicators, and initiate or recommend timely corrective and risk-mitigation actions.
  • Maintain quality, accuracy and agreed turnaround times (TAT), while identifying opportunities for process automation and operational efficiency.
  • Coordinate with Business, Product, Operations, Risk, Compliance and Shariah functions to resolve credit-related issues, support product initiatives and ensure effective implementation of conventional and Islamic financing programs.
  • Facilitate regulatory inspections and internal/external audits, provide accurate records and information, and ensure timely closure of observations and compliance gaps.
  • Support system enhancements, UAT and digital credit initiatives while maintaining effective operational controls, record management and fraud-risk awareness within the unit.
  • Coordinate business requirement documentation, user acceptance testing (UAT), system implementation, and post-implementation reviews for credit-related technology initiatives.
  • Identify opportunities to eliminate manual activities through workflow automation, system integrations, digital documentation, and straight-through processing, while maintaining appropriate credit and operational controls.
  • Support continuous improvement of paperless credit processing, electronic record management, digital verification, and centralized document repositories to strengthen controls and reduce operational costs.
• What are we looking for and what does it require to be Assisstant Manager Credit Initiation Unit - MMBL?
  • Hold a Bachelor’s degree from a reputable Institution in the fields of Business Administration/Banking & Finance/ Agriculture/Economics/Accounts.
  • Minimum 2-4 years of experience in credit assessment, credit approval, risk management, or banking operations, with exposure to both conventional and Islamic financing preferred.
  • Strong knowledge of SBP Prudential Regulations, credit policies, AML/CFT requirements, collateral management, financial analysis, and risk assessment techniques.
  • Sound understanding of Islamic finance products, Shariah governance requirements, and financing documentation.
  • Proficiency in credit processing systems, workflow automation, UAT, digital transformation initiatives, and MS Office applications.
  • Strong analytical, decision-making, communication, stakeholder management, and problem-solving skills with the ability to manage multiple priorities within agreed turnaround times.

Job Locations:

• Head Office

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion.MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join MMBL ?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.