Unit Head, SME Finance & Growth (Shariah)

Raqami Islamic Digital Bank; Karachi Division; Vor Ort; PKR 6.000.000 - 12.000.000; Vollzeit

Zusammenfassung

Raqami Islamic Digital Bank in Karachi is seeking an experienced Unit Head - SME Finance to drive the bank's SME financing strategy, scale the portfolio, and lead end-to-end onboarding from engagement to disbursement. The role demands deep credit analysis, RAC adherence, Shariah governance, and collaboration across Risk, Operations, Legal, and IT to deliver compliant, innovative financing solutions.

You will shape partnerships with fintechs and digital platforms, oversee portfolio performance,

Qualifikationen

• 10+ years of relevant banking experience with SME focus.
• Master's degree or higher in a related field.
• Professional qualifications in Islamic Banking, Credit Risk, or Finance are advantageous.

Aufgaben

• Support the implementation of SME Finance strategy and growth initiatives.
• Lead onboarding and credit assessment for anchor companies and obligors.
• Develop and enhance Shariah-compliant SME financing products aligned with digital strategy.
• Lead end-to-end onboarding from engagement to disbursement of facilities.
• Conduct comprehensive due diligence and prepare credit proposals per RAC and Shariah rules.
• Coordinate with stakeholders to obtain information and fulfill pre-disbursement conditions.
• Collaborate with Risk, Operations, Legal, Compliance, IT, Finance, and Shariah teams for processing and disbursement.
• Monitor approvals, timelines, and service standards; support periodic reviews and monitoring.

Kenntnisse

SME banking

Credit analysis

Shariah-compliant financing

Strategic portfolio growth

Stakeholder management

Ausbildung

Master's degree in Business Administration, Finance, Banking, Economics

Professional Islamic banking qualifications

Jobbeschreibung

Raqami Islamic Digital Bank in Karachi is seeking an experienced Unit Head - SME Finance to drive the bank's SME financing strategy, scale the portfolio, and lead end-to-end onboarding from engagement to disbursement. The role demands deep credit analysis, RAC adherence, Shariah governance, and collaboration across Risk, Operations, Legal, and IT to deliver compliant, innovative financing solutions.

You will shape partnerships with fintechs and digital platforms, oversee portfolio performance,