Senior Director, AI-Driven Consumer Credit

Mobilink Microfinance Bank Limited; Pakistan; On-site; PKR 6,000,000 - 9,000,000; Full time

Job summary

Mobilink Microfinance Bank Limited seeks a strategic head of consumer credit to oversee end-to-end credit decisioning for the bank's consumer lending portfolio, including personal, salary, auto loans and cards. You will own the credit scorecard, AI-based decisioning models, and ensure compliance with SBP Prudential Regulations and risk appetite.

You will lead the deployment of AI-enabled underwriting, manage delegated approvals, and align policy with digital lending journeys across platforms,

Qualifications

• Demonstrated experience with credit scorecards; AI/ML scoring models; LOS/decisioning platforms.
• Strong knowledge of SBP Prudential Regulations for Consumer Financing and Digital Banking Framework 2022.
• Experience leading consumer credit risk in a bank or equivalent financial institution.

Responsibilities

• Own end-to-end credit decisioning for the consumer lending portfolio (Personal Loan, Salary Loan, Auto Loan and card products).
• Maintain consumer credit scorecards and eligibility rules embedded in LOS/decisioning engine with Data/Analytics.
• Define and lead AI-based lending approach, evaluating AI/ML solutions for credit scoring and alternate-data underwriting.
• Enforce DBR, CIR and clean-lending limit checks at underwriting per policy.
• Hold delegated credit approval authority and escalate exceptions per policy.
• Monitor portfolio quality (NPL, vintage, roll rate, DPD) and adjust policies accordingly.
• Collaborate with Product and Tech on digitising consumer lending journeys and embedding AI rules.
• Coordinate with Collections/SAM on early-warning triggers and recovery strategy.
• Ensure documentation, model governance, and regulatory readiness of consumer credit processes.

Skills

Credit underwriting judgement

Data-driven decisioning

Stakeholder management

Regulatory understanding

AI/ML credit decisioning

Digital lending journeys

Education

Bachelor's degree in Business/Finance/Economics

Master's degree preferred

Job description

Mobilink Microfinance Bank Limited seeks a strategic head of consumer credit to oversee end-to-end credit decisioning for the bank's consumer lending portfolio, including personal, salary, auto loans and cards. You will own the credit scorecard, AI-based decisioning models, and ensure compliance with SBP Prudential Regulations and risk appetite.

You will lead the deployment of AI-enabled underwriting, manage delegated approvals, and align policy with digital lending journeys across platforms,