Department: Risk Management
Grade: SVP (Senior Vice President)
Job Type: Permanent
Positions: 1
Experience: 8–12 Years
Qualification: Bachelor's or Master's Degree

Job Description

Mobilink Microfinance Bank Limited (MMBL) is seeking an experienced and qualified professional for the position of Head of SME Credit at its Head Office. The selected candidate will lead SME and microenterprise credit operations, manage underwriting standards, maintain portfolio quality, and support responsible lending through modern credit assessment and AI-based solutions.

Key Responsibilities

• Lead credit assessment and approval processes for SME and microenterprise financing.

• Develop and maintain SME credit policies and underwriting standards.

• Introduce AI and machine learning-based credit assessment solutions.

• Evaluate business cash flows, borrower profiles, and collateral requirements.

• Monitor loan portfolio performance, credit risks, and non-performing loans (NPLs).

• Exercise delegated credit approval authority and participate in credit committee meetings.

• Collaborate with sales, product, technology, and risk management teams.

• Improve digital lending processes and AI-based credit decision-making.

• Ensure compliance with State Bank of Pakistan (SBP) regulations and banking policies.

• Coordinate with recovery and collections teams to manage overdue accounts.

• Maintain proper credit documentation and ensure audit and regulatory compliance.

• Provide credit-related training and guidance to SME sales and relationship teams.

Eligibility Criteria

Education:

• Bachelor's degree in Business, Finance, Economics, or a related field.

• Master's degree will be preferred.

Experience:

• 8–12 years of relevant experience in SME/business credit risk or underwriting.

• At least 3–4 years of experience in a leadership or portfolio management role.

• Experience in SME lending, credit assessment, and risk management is required.

Additional Requirements:

• Strong knowledge of SBP regulations for SME and microenterprise financing.

• Understanding of AI/ML-based credit scoring and alternative data assessment.

• Experience in evaluating informal and semi-formal business financial records.

• FRM, CRC, or equivalent professional certifications will be an advantage.

Required Skills

• SME credit assessment and underwriting.

• Credit risk and portfolio management.

• AI/ML-based credit scoring knowledge.

• Financial analysis and decision-making.

• Leadership and team management.

• Stakeholder coordination and communication.

• Regulatory compliance and risk assessment.

About Mobilink Microfinance Bank (MMBL)

Mobilink Microfinance Bank Limited provides banking services to millions of registered users across Pakistan. The bank combines traditional microfinance services with modern digital banking solutions to promote financial inclusion.

Its services include savings accounts, microenterprise loans, small housing loans, remittances, mobile wallets, insurance, utility bill payments, and digital financial transactions.

MMBL focuses on innovation, teamwork, entrepreneurship, and providing customer-friendly financial services.

Why Join MMBL?

This is an excellent opportunity for an experienced banking professional to join a leading microfinance bank and contribute to the development of SME financing, digital lending, and financial inclusion across Pakistan.

How to Apply?

Interested and eligible candidates can apply online through the official MMBL Careers Portal.

Important Note: Candidates are advised to review the eligibility criteria and submit their applications before the closing date.

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Source & Disclaimer

🔎 Source: Official Careers Portal
⚠️ We only share verified job listings and are not the hiring authority.