Segment Head – Digital Credit Risk Modeling

Khanewal; Lahore; On-site; PKR 4,200,000 - 6,200,000; Full time

Benefits offered by this job

Market-based remuneration

Equal opportunity employer

Job summary

Bank of Punjab seeks a Segment Head – Digital Credit Risk Modeling to lead the design, development, and validation of advanced credit risk models. You will implement ML/AI-driven solutions to enhance credit decisioning, underwriting, and portfolio risk management.

The role requires 9+ years in banking or non-banking sectors, a bachelor’s degree, and expertise in Basel/IFRS 9. You will manage a team within the Data Analytics & AI Division in a dynamic digital banking environment.

Qualifications

• Minimum Bachelor’s Degree from an HEC-recognized University.
• At least 9 years of Banking/Non-Banking experience.
• Experience in credit risk modeling and regulatory compliance (Basel, IFRS 9).

Responsibilities

• Lead the design, development, and validation of digital credit risk models.
• Implement ML and AI-driven models to improve credit decisioning and underwriting.
• Develop risk strategies for unsecured lending and digital supply chain financing.
• Ensure models comply with Basel, IFRS 9 and local regulations.
• Oversee use of alternative data sources.
• Drive real-time risk assessment and dynamic credit scoring.
• Collaborate with Data Science and Engineering teams to deploy models into production.
• Manage and develop a team of data analysts.

Skills

Machine Learning

AI expertise

Credit risk analysis

Education

Bachelor's degree

Tools

Python

R

Job description

## Segment Head – Digital Credit Risk ModelingFull Job Details#### Job Description** Grade:** Band-5 to Band-4 ** Qualification:** Minimum Bachelor’s Degree from an HEC-recognized Pakistani or foreign university ** Experience:** Minimum 09 years of relevant Banking/Non-Banking experience ** Age Limit:** Up to 55 years as on the date of application### Job Description / Major Responsibilities* Lead the design, development, and validation of digital credit risk models.* Implement **Machine Learning (ML) and AI-driven models** to improve credit decisioning, automated underwriting, and portfolio risk management.* Develop risk strategies for unsecured lending and digital supply chain financing.* Ensure credit risk models comply with regulatory requirements, including Basel, IFRS 9, and applicable local banking regulations.* Oversee the use of alternative data sources such as transactional data, telecom data, social media, and open banking data.* Drive innovation in real-time risk assessment and dynamic credit scoring for digital lending platforms.* Collaborate with Data Science and Engineering teams to deploy models into production.* Manage and develop a high-performing team of data analysts specializing in credit risk modeling.### Eligibility Criteria**Qualification:** Minimum Bachelor’s Degree from an HEC-recognized University or Foreign University.Jobs**Experience:** Minimum 09 years of relevant Banking/Non-Banking experience.**Age:** Maximum 55 years as of the application date.### Important Notes* Only shortlisted candidates will be called for an interview.* No TA/DA will be admissible for the interview.* The Bank of Punjab reserves the right to accept or reject any application without assigning any reason.* BOP is an equal opportunity employer. **Females, minorities, DAP (Differently Abled Persons), and transgender persons are encouraged to apply.*** The position offers market-based competitive remuneration.* Eligible candidates should apply online through the BOP Careers Portal by **September 28, 2026**. **BOP Phone Banking:** 111-267-200### Job Summary**Segment Head – Digital Credit Risk Modeling** is a senior-level opportunity within BOP's **Data Analytics & AI Division (Digital Banking Group)**, focusing on AI/ML-based credit risk modeling, digital lending, automated underwriting, alternative data, and real-time credit assessment.