Manager Credit Policy Analysis.Credit Management MBP

Mashreq Bank PSC; Pakistan; On-site; PKR 1,200,000 - 2,800,000; Full time

Job summary

Mashreq Bank PSC is seeking a Retail Credit Underwriter/Analyst to assess and approve or recommend lending applications in line with credit policy and regulatory requirements. The role balances portfolio growth with credit quality while coordinating with cross-functional teams.

The ideal candidate will have 4–6 years in Retail Credit (Underwriting, Analytics, Policy), strong analytical skills, attention to detail, and experience with credit cards and personal loans.

Qualifications

• Bachelor's degree; master's preferred.
• Strong analytical thinking and attention to detail.
• 4–6 years in Retail Credit (Underwriting, Analytics, Policy).

Responsibilities

• Assess and approve/recommend retail lending applications per policy and regulatory requirements.
• Coordinate with Business, Technology, Operations, Risk, Analytics and external stakeholders.
• Support UAT, process automation, and digital credit journey improvements.
• Maintain governance, controls, and audit readiness.
• Provide operational support for new product launches while ensuring compliance.

Skills

Analytical thinking

Attention to detail

Risk awareness

Decision making

Credit cards & personal loans

Integrity

Communication skills

Time management

Digital banking experience

Automated decision engines

Bureau & SBP reporting

Education

Bachelor's degree

Masters preferred

Tools

Analytics

Financial analysis

Credit risk assessment

Credit bureau interpretation

Fraud awareness

Loan Origination Systems

Decision Engines

Job description

Job Purpose

To assess and approve/recommend retail lending applications in accordance with the Bank's Credit Policy, Risk Acceptance Criteria, Product Program Guide, regulatory requirements, and delegated lending authority while maintaining an appropriate balance between portfolio growth and credit quality.

Key Result Areas

• Preparation and management of MIS, portfolio monitoring, and management reporting.
• Supporting Credit Policy implementation, maintenance, and digital journey configuration/coding.
• Managing Credit Bureau reporting and reconciliation activities.
• Preparing and coordinating SBP regulatory reporting requirements.
• Acting as a key liaison between Business, Technology, Operations, Risk, Analytics, and external stakeholders for journey implementation, policy changes, and process enhancements.
• Supporting UAT, process automation initiatives, change requests, and ongoing optimization of digital credit journeys.
• Maintaining process documentation, governance requirements, controls, and audit readiness.
• Providing operational support for new product launches while ensuring adherence to policy and regulatory requirements.

Knowledge, Skills and Experience

Qualifications
Competency

• Bachelor's degree, Masters Preferred.
• Analytical thinking
• Attention to detail
• Experience
• Risk awareness
• 4–6 years in Retail Credit (Underwriting, Analytics, Policy)
• Decision making
• Experience in Credit Cards and Personal Loans
• Integrity
• Experience with automated decision engines preferred
• Communication skills
• Knowledge of Credit Bureau assessment
• Time management
• Digital banking experience preferred.
• Bureau and SBP ReportingTechnical Skills

• Analytics
• Financial analysis
• Credit risk assessment
• Credit bureau interpretation
• Fraud awareness, Loan Origination Systems and Decision Engines