Grade: VP
Department: Credit Management
Positions: 01

Mobilink Microfinance Bank Limited (MMBL) is looking for an experienced Regional Credit Manager to oversee credit assessment, risk management, portfolio quality, and policy compliance across the region. The role requires close coordination with sales, finance, branch teams, and credit risk stakeholders to support business growth while minimizing credit risk.

Key Responsibilities

• Oversee pre-approval due diligence and verification of borrowers and loan documentation.
• Ensure loan files are accurate, complete, and compliant with regulations, policies, and procedures.
• Supervise physical and telephonic borrower verification and creditworthiness assessments.
• Ensure adherence to client protection principles, ethical conduct standards, and credit policies.
• Conduct post-disbursement credit file reviews and verification activities.
• Review internal, external, and SBP audit observations and ensure timely resolution of credit-related issues.
• Conduct regular sessions with branch teams to address recurring credit findings and improve compliance.
• Maintain branch-wise and Verification Officer-wise MIS for cases received, approved, and rejected.
• Monitor Verification Officer performance and support accurate incentive calculations.
• Analyze branch and regional rejection trends and report findings to Head Office.
• Review NPL trends and identify reasons for defaults, including potential portfolio fraud.
• Coordinate with Regional Business Managers and Head Office Credit teams to improve portfolio quality.
• Oversee goldsmith onboarding, background checks, quarterly verification, and performance monitoring.
• Ensure periodic gold collateral reassessment and accurate loan-to-value ratios.
• Oversee gold auction processes in accordance with bank policies and regulatory requirements.
• Supervise Verification Teams, manage vacancies, and support succession planning.
• Provide training to branch sales and verification staff on credit assessment and monitoring.
• Support annual goal setting and performance appraisals for Verification Officers.
• Conduct branch visits, periodic meetings, staff rotations, and leave planning.
• Perform additional duties assigned by the Line Manager or Head of Department.

Required Skills

• Strong knowledge of microfinance and consumer lending principles.
• Understanding of prudential regulations and credit policies.
• Strong financial and credit analysis skills.
• Portfolio analysis and monitoring expertise.
• Ability to work independently in a fast-paced environment.
• Strong communication, interpersonal, leadership, and team-building skills.
• Knowledge of banking software and computer-based systems.
• Experience in the microfinance banking sector will be an added advantage.

Education

• Graduate degree in Commerce, Business Administration, Mathematics, Statistics, or a related field.
• Preference will be given to candidates with a Master’s degree.

Experience

• 3–5 years of relevant experience in a credit-related field.

About MMBL

Mobilink Microfinance Bank Limited (MMBL) provides banking and digital financial services across Pakistan, combining traditional microfinance with mobile and digital banking technologies. The bank focuses on financial inclusion and offers a range of services, including savings, microenterprise loans, housing loans, remittances, mobile wallets, insurance, and digital payments.

Why Join MMBL?

This is an opportunity to play a key role in strengthening credit risk management and supporting transformative financial services. MMBL offers a dynamic environment focused on innovation, teamwork, customer-centricity, and financial inclusion.

🔎 Source: Official Careers Portal
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