Unit Head Credit Operations Islamic Microfinance Department

ASA Microfinance Bank (Pakistan) Limited; Karachi Division; On-site; PKR 2,000,000 - 2,800,000; Full time

Job summary

ASA Microfinance Bank (Pakistan) Limited is seeking an experienced banking professional to oversee Islamic financing credit screening, Shariah risk assessment, and product development. You will coordinate with asset heads, support groups, and regulators to ensure compliant financing solutions.

The role requires strong leadership, strategic thinking, and a customer-centric approach with at least 5 years in banking and 2 years in credit, complemented by a Master’s in a relevant field and Islamic

Qualifications

• Minimum 5 years banking experience in branch banking, Islamic Banking, credit, or sales management.
• At least 2 years in credit.
• Master's degree in Business, Economics, Finance, Banking, or related discipline; professional certification in Islamic Banking preferred.

Responsibilities

• Initial screening of credit proposal/credit applications
• Identification of Shariah non-compliance risks and remedial measures
• Address credit related inquiries from Shariah, support groups and regulators
• UAT and implementation of Islamic financing products
• Coordinate with Head Asset in developing Islamic financing products
• Monitoring of pre and post-disbursement stages
• Management of Charity Account

Skills

Leadership

Strategic thinking

Business acumen

Communication

Customer-centric

Problem solving

Initiative & results

Education

Master's in Business/Finance

Islamic Banking Certification

Job description

• Initial screening of credit proposal/credit applications
• Identification of Shariah non-compliance risks and propose remedial measures
• Address credit related inquiries from Shariah, support groups and regulators
• UAT and implementation of Islamic financing products
• Coordinate with Head Asset in developing Islamic financing products
• Monitoring of pre and post-disbursement stages
• Management of Charity Account

Behavioral Competency:

• Leadership and team-building skills.
• Strategic thinking and business acumen.
• Strong communication and interpersonal skills.
• Customer-centric approach.
• Problem-solving and decision-making abilities.
• Initiative, innovation, and result orientation.

Technical Competency:

• Fully conversant with SBP regulations, Prudential Regulations, Islamic Banking Framework, and regulatory reporting requirements.
• Sound knowledge of Islamic Banking products and their implementation.

No. of Years’ Experience:

Minimum 5 years of banking experience in branch banking, Islamic Banking, credit, or sales management role, including at least 2 years in credit

Qualification:

Master's degree in Business Administration, Economics, Finance, Banking, Marketing, Islamic Banking & Finance, or a related discipline. Professional certification in Islamic Banking shall be preferred.