Regional Credit & Risk Leader

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

Job summary

Mobilink Microfinance Bank Ltd seeks a Regional Credit Manager to oversee credit assessment and risk management across branches, ensuring timely approvals and policy compliance. You will collaborate with Sales and Finance to drive growth while controlling credit risk.

The role requires strong analytical skills, microfinance experience, and leadership to guide Verification Officers, monitor portfolios, and drive process improvements across the region.

Qualifications

• Solid understanding of microfinance/consumer lending principles.
• Prudential regulatory knowledge is a plus.
• Ability to work independently in a fast-paced environment.
• Strong financial/credit analytical skills.
• Experience in portfolio analysis and monitoring.
• Good interpersonal, communication and team-building abilities.
• Customer service mindset and professional attitude.
• Familiarity with banking software and systems.

Responsibilities

• Oversee credit assessment and risk management across multiple branches.
• Ensure timely approvals and adherence to policies.
• Lead and develop Verification teams and branch staff.
• Monitor post-disbursement files and audit findings for closure.
• Review NPL trends and provide feedback to branches and HO.
• Manage gold collateral reassessment and related processes.
• Drive training and development for regional verification staff.

Skills

Microfinance knowledge

Credit analytics

Independent worker

Portfolio monitoring

Interpersonal & communication

Customer service orientation

Banking software familiarity

Education

Bachelor’s degree in Commerce/Business Administration/Math/Statistics

Master’s degree preferred

Job description

Mobilink Microfinance Bank Ltd seeks a Regional Credit Manager to oversee credit assessment and risk management across branches, ensuring timely approvals and policy compliance. You will collaborate with Sales and Finance to drive growth while controlling credit risk.

The role requires strong analytical skills, microfinance experience, and leadership to guide Verification Officers, monitor portfolios, and drive process improvements across the region.