Branch Manager - Islamic Branch

Mobilink Microfinance Bank Ltd; Gilgit Division; On-site; PKR 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Opportunity for career growth

Impactful work in financial inclusion

Job summary

A leading microfinance bank is seeking a Branch Manager for its Islamic Branch to oversee business growth and ensure Shariah compliance. The role involves strategic planning, team management, maintaining asset-liquid liabilities, and ensuring regulatory adherence. The ideal candidate will have a degree, experience in Islamic banking, and strong skills in customer service and negotiation. This opportunity is crucial for candidates passionate about making a difference in financial inclusion.

Qualifications

• Minimum of 1-3 years of relevant work experience, ideally in Islamic banking.
• Certification in Islamic banking is highly desirable.
• Thorough understanding of compliance and regulatory requirements for Islamic banks.

Responsibilities

• Plan and manage asset & liability business growth in a Shariah-compliant manner.
• Assist in preparing annual business plans for the branch.
• Ensure compliance with bank policies and regulations.
• Unit Profitability: monitor branch P&L and target improvements in OSS.
• Service Quality: drive improved service delivery and inclusion.
• Team Building and Management: manage staff, train, and develop knowledge including Islamic banking concepts.

Skills

Customer Services & Team building

Convincing, selling And Negotiation skills

Proficient in MS Office

Sound communication and interpersonal skills

Collection management

Fluent in the local language

Ability to work under pressure

Knowledge of Islamic finance principles and Shariah compliance

Shariah compliance knowledge

Education

Bachelor's degree from a reputable Institution

Preferred Master or Bachelor's degree in Management Sciences, Commerce, Accounting & Finance, Economics, Agriculture Islamic Finance

Tools

MS Office

Job description

• What is Branch Manager - Islamic Branch - MMBL?
  • Asset & Liability business growth, planning, financing the unit professionally in effective way to ensure the unit meets its sales and profitability objectives in a Shariah-compliant manner, manage stakeholder relationships to meet internal service standards, enforce sales & service delivery to customer in accordance with bank policies, Islamic Banking, Relevant Shariah knowledge and SBP regulations.
• What Branch Manager - Islamic Branch - MMBL does?
  • Asset & Liability Business Planning & Management:
  • • Assist Regional Business Manager/Unit Head in preparing annual business plan for the branch asset & liability business and for other products and services ensuring Shariah-compliant offerings.
  • • Uphold the good business relationships with asset and liability sales customers
  • • Achievement of assigned targets as BM in liability sales and Takaful & other product
  • • Define deadlines and Set realistic targets/benchmarks for branch staff
  • • Staff periodic performance reviews
  • • Daily base asset portfolio reviews of branch and individuals, point-out the gaps in accordance with bank policy & procedures
  • • Ensure asset & liability portfolio max assigned targets are achieved
  • • Ensure basic portfolio indicators to be within the assigned benchmark
  • • Ensure smooth sailing of business within the branch & in the field.
  • • Ensure effective role of branch RM in portfolio quality and diversification management and RM Deposit in branch deposit max and building strong business relationships
  • • Develop cross selling culture of all bank products & services through regular trainings and staff capacity building
  • Branch Operations Supervision:
  • • Ensure smooth operation activities within the branch through regular checks
  • • Ensure policy compliance and regulator guidelines within all functions of branch operations including Shariah compliance
  • • Oversee the smooth sailing of branch operations and ensure all operations staff maintained the branch decorum
  • Collection & default Management:
  • • Portfolio performance review and proactive collection perusal, ensuring key portfolio indicators like CCR, PAR and W/Off are within the assigned benchmarks.
  • • Formulate & execute the collection & recovery strategy within the defined ethical norms, bank SOP’s and regulatory guidelines and Shariah-compliant regulatory guidelines.
  • Unit Profitability:
  • • Revenue management and ensure maximizing unit prolaticity/OSS through quality business generation.
  • • Regular reviews of branch P&L and identify the areas for unit OSS improvements
  • • Monthly presentations and strategy sharing with RBM on negative indicators that effect branch revenue.
  • Service Quality:
  • • Ensure branch achieve the desired results in better service delivery, diversity and inclusion
  • Team Building and Management:
  • • Effectively manage team, identify skill gap and impart on job training to make their team knowledge and skills in accordance with their job requirement. including Islamic banking knowledge.
  • • Intimate relevant department/HRBP for training and development needs of team / individual.
  • Any other task:
  • • Bank may assign any other related task from time to time
• What are we looking for and what does it require to be Branch Manager - Islamic Branch - MMBL?
  • • Hold a Bachelor’s degree from a reputable Institution, however Master OR Bachelor degree in Management Sciences, Commerce, Accounting & Finance, Economics, Agriculture Islamic Finance will be preferable.
  • • Preferably having up to one-year related experienceHave a minimum of 1- 3 years of relevant work experience, and at least one year with prior experience in Islamic banking highly preferred.
  • Essential Skills
  • • Customer Services & Team building
  • • Convincing, selling And Negotiation skills
  • • Proficient in MS Office
  • • Sound communication and interpersonal skills
  • • Collection management
  • • Fluent in the local language
  • • Ability to work under pressure
  • • Knowledge of Islamic finance principles and Shariah compliance
  • Desirable Skills:
  • • Skilled in business planning, retail banking, and customer service in an Islamic banking context
  • • Thorough understanding of compliance and regulatory requirements for Islamic banks, including Shariah Advisor approvals and SBP Islamic banking regulations
  • • Hold a certification in Islamic banking is highly desirable

Job Locations:

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.