Policy Manager – Unsecured (PIL/RL/CC)

UBL - United Bank Limited; Karachi Division; Sur place; PKR 1 800 000 - 3 600 000; Plein temps

Résumé du poste

United Bank Limited is seeking a senior professional to establish and monitor credit and fraud risk policies for consumer banking products. The role involves interacting with the business unit to explore new markets, manage policy changes, and ensure compliance with risk guidelines and regulatory requirements.

The candidate will oversee portfolio performance, adjust underwriting standards, and generate MIS-based insights to guide decision-making.

Qualifications

• Graduate or MBA in a relevant field.
• 5–7 years of experience in Consumer Banking, preferably in credit/risk management.

Responsabilités

• Establish, implement, monitor, and modify credit/fraud risk policies for the product segment.
• Ensure adherence to Internal Risk Management Guidelines and External Regulatory Requirements.
• Manage changes in credit policies to align with bank strategy.
• Provide updates on portfolio performance at regular intervals.
• Manage system parameters of all products within the segment.
• Review portfolio performance through MIS reports and set minimum standards.

Connaissances

Portfolio analysis

Credit risk management

Policy development

MIS reporting

Stakeholder communication

Formation

Graduate / MBA

Description du poste

• To establish, implement, monitor, and modify all policies, risk acceptance criteria, verification requirements relating to credit / fraud risk for product segment to ensure the risk-reward balance is maintained through close monitoring of the portfolio (using both ground level feedback from collections and the market along with statistical methods for systematic portfolio analysis) and frequent interaction with the business unit to explore new target markets and product variants to grow product portfolio.
• Ensures adherence to Internal Risk Management Guidelines and External Regulatory Requirements by other units involved in credit processing and execution
• Managing/reviewing changes in credit policies to keep up with the constant change in a very competitive market, while aligning the credit policy to overall bank strategy
• Provides updates on portfolio performance at regular intervals.
• Manages system parameters of all products within segment
• Reviews and analyzes the portfolio performance through various MIS reports by setting up minimum standards to manage performance of individual credit transaction and entire portfolio
• Manages credit risk in segment portfolio through each step of the credit process and recommends proactive measures in the underwriting standards, policies, and verification processes.

Education & Skills:

• Education: Graduate / Preferably MBA
• Experience: 5-7 years of experience in Consumer Banking , preferably in credit / Risk management unit of consumer banking