Manager – Portfolio Management

Khanewal; Islamabad; On-site; PKR 1,800,000 - 2,400,000; Full time

Job summary

PMIC seeks a Manager – Portfolio Management to oversee its portfolio of borrower institutions, including NBMFIs and Microfinance Banks. You will drive the full credit lifecycle from appraisal to repayment, with a focus on portfolio quality and borrower growth.

Responsibilities include relationship management, field visits, credit proposals, financial modelling, covenant monitoring, and reporting to stakeholders. Some travel will be required.

Qualifications

• BBA/BSc or MBA in Finance and/or Accounting is required.
• CA/ACCA/CA qualified or part-qualified candidates preferred.
• 3–5 years of experience in credit analysis, portfolio management and relationship management.

Responsibilities

• Manage and strengthen relationships with assigned portfolio institutions.
• Coordinate meetings between borrowers, PMIC senior management and stakeholders.
• Conduct field visits to head offices and branches and prepare visit reports.
• Review funding requests and business plans submitted by borrowers.
• Assess borrowers under PMIC’s Institutional Rating System and prepare credit proposals.
• Develop financial models to assess institutional and portfolio performance.
• Ensure timely disbursements and repayments and monitor covenant compliance.
• Prepare internal/external stakeholder reports and new product notes.
• Engage and onboard MFIs with no active PMIC relationship.
• Conduct due diligence of institutions offering innovative financial products.
• Support development of Islamic financing solutions and expansion of Islamic finance portfolios.
• Work on sector development and research initiatives, including climate change, renewable energy and housing.

Skills

Financial analysis

Credit appraisal

Financial modelling

Covenant monitoring

Analytical skills

Report writing

Stakeholder management

Willingness to travel

Education

BBA/BSc or MBA in Finance and/or Accounting

CA/ACCA qualification or part-qualified

Job description

## Manager – Portfolio ManagementFull Job Details#### Job Description### About the RoleThe Manager – Portfolio Management will manage PMIC’s portfolio of borrower institutions, including Non-Bank Microfinance Institutions (NBMFI) and Microfinance Banks (MFBs). The role covers the full credit lifecycle, from appraisal and structuring through disbursement, monitoring and repayment, with a focus on maintaining portfolio quality and supporting borrower growth.### Key Responsibilities* Manage and strengthen relationships with assigned portfolio institutions.* Coordinate meetings between borrowers, PMIC senior management and relevant stakeholders.* Conduct field visits to the head offices and branches of end clients and prepare visit reports.* Review funding requests and business plans submitted by borrowers.* Assess borrowers under PMIC’s Institutional Rating System and prepare credit proposals.* Develop financial models to assess institutional and portfolio performance.* Ensure timely disbursements and repayments and monitor covenant compliance.* Prepare internal/external stakeholder reports and new product notes.* Engage and onboard MFIs with no active PMIC relationship.* Conduct due diligence of institutions offering innovative financial products.* Support development of Islamic financing solutions and expansion of Islamic finance portfolios.* Work on sector development and research initiatives, including climate change, renewable energy and housing.### Education* BBA/BSc or MBA in Finance and/or Accounting.* CA/ACCA/CA qualified or part-qualified candidates will be preferred.### Experience* **3–5 years** of experience in: + ### Credit Analysis + ### Portfolio Management + ### Relationship Management* Experience in **microfinance, banking or development finance** is preferred.### Functional Competencies* ### Financial statement analysis* ### Credit appraisal* ### Financial modelling* ### Covenant monitoring* ### Exposure to Islamic finance is desirable* ### Analytical skills* ### Report writing* ### Stakeholder management* ### Willingness to travel### Core Competencies* ### Teamwork* Decision Making & Problem Solving* Initiative & Change Driven* Planning & Organizing* Effective Communication