Department: Risk Management

Grade: SVP

Job Type: Permanent

Number of Positions: 1

Mobilink Microfinance Bank Limited (MMBL) is seeking an experienced and qualified professional for the position of Head of Consumer Credit at its Head Office.

The selected candidate will lead consumer credit underwriting, portfolio quality, credit risk management, and AI-based lending strategies across personal loans, salary loans, auto loans, and card-based lending products.

Key Responsibilities:

• Lead end-to-end consumer credit decision-making and underwriting.

• Develop and manage consumer credit scorecards and AI/ML-based scoring models.

• Oversee automated credit decisioning and digital lending solutions.

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

• Monitor loan portfolio quality, NPL ratios, repayment trends, and credit risks.

• Establish credit approval limits and debt burden ratio (DBR) requirements.

• Collaborate with Product, Technology, Collections, Compliance, and Audit teams.

• Support new consumer lending products and digital banking initiatives.

• Ensure effective credit risk controls, model governance, and regulatory compliance.

Eligibility Criteria

Education:

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

• Master's degree preferred.

Experience:

• 8–12 years of progressive experience in consumer/retail credit risk or underwriting.

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

Required Skills:

• Strong knowledge of consumer credit risk and underwriting.

• Experience with AI/ML-based credit scoring and decision-making models.

• Knowledge of SBP Prudential Regulations and Digital Banking Framework 2022.

• Understanding of digital lending platforms and Loan Origination Systems (LOS).

• Strong analytical, leadership, and communication skills.

• Ability to manage stakeholders and maintain portfolio quality.

Additional Advantage: FRM, CRC, or equivalent professional certifications.

About Mobilink Microfinance Bank

Mobilink Microfinance Bank Limited is one of Pakistan's leading microfinance banks, providing financial services to millions of registered users through traditional banking and digital financial solutions. The bank focuses on financial inclusion, innovation, entrepreneurship, and customer-centric banking services.

Why Join MMBL?

Join MMBL to lead innovative consumer credit strategies, contribute to digital banking transformation, and play a key role in expanding financial inclusion across Pakistan.

🔎 Source: Official Careers Portal

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