Retail Credit Policy & Analytics Manager

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

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.