Regional Credit Leader: Drive Growth & Risk

Mobilink Microfinance Bank Ltd

Gujranwala Division

Sur place

PKR 1 800 000 - 2 400 000

Plein temps

14 jours+

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Résumé du poste

Mobilink Microfinance Bank Ltd in Pakistan seeks a Regional Credit Manager to oversee credit assessment, risk management, and portfolio quality across branches. You will drive timely approvals, ensure policy compliance, and coordinate with Sales and Finance to grow the business while controlling credit risk.

The role requires leading Verification, Post-disbursement reviews, and gold collateral processes, plus training teams and maintaining branch MIS.

Qualifications

Sound knowledge of microfinance / consumer lending principles and comprehension of prudential regulations.
Exposure of financial sector (microfinance banking) will be an added advantage.
Able to work independently and in a fast pace environment
Strong financial / credit analytical skills
Strong Portfolio analysis & monitoring skills
Effective Interpersonal Skills, Communication and Team Building abilities
Excellent customer service / Excellent attitude & behavior
Working knowledge of banking computer-based software & systems
Educational Qualification: Must be Graduate ideally in Commerce, Business Administration, Math/Statistics, preference will be given to Master degree.
Experience: 3-5 Years credit related field experience

Responsabilités

Pre-Approval Due Diligence /Verification of Borrowers & Scrutiny of Documents
Ensure the Verification Team reviews loan files for accuracy and completeness according to regulations, policies, and procedures, addressing discrepancies before processing.
Ensure the Verification Team verifies borrower information and checks creditworthiness through pre-approval verifications (physical or telephonic).
Ensure the Verification Team assesses the borrower’s understanding of the business, loan purpose, and key terms, including client protection and default obligations.
Ensure both sales and verification teams adhere to client protection principles and ethical conduct standards.
Ensure Credit Policy/ Procedures / Guidelines circulated from time to time are being adhered to throughout the Region.
Credit Reviews and Monitoring: Review post disbursement credit files on sample basis disbursed at branch level to ensure completeness, compliance of policies and procedures.
Conduct post disbursement verifications through Verification Officers & self (as applicable) and consolidate findings for onward sharing with all stakeholders on frequent basis.
Thoroughly review of Internal / External / SBP audit reports of respective branches and ensure that credit related observations are rectified & closed in timely manners;
Conduct regular sessions with branch team to eliminate repeated and common findings related to credit.
Share reasons of such findings and corrective action with branches and management.
Maintain branch wise / VO wise MIS of cases received / approved / rejected; Coordinate to report error free VO performance for incentive calculation in timely manner;
Consolidate the reasons of rejections at branches and region wise for onward submission to Head Office
Portfolio Quality & Default Management: Review of NPL trend of branches and establish feedback loop with branches and Regional Business Manager and Executive Manager Credit Verification / Credit Risk Team at Head Office to identify the reasons of default including portfolio frauds (if any) in a timely manner;