Department: Consumer Credit
Career Level: Mid Level

Education Required

• Bachelor's degree in Data Analytics, Finance, or a related field.

• Master's degree preferred.

Experience Required

• Minimum 4 years of relevant experience in Banking Risk Management.

• Preference for experience in Consumer Credit Analytics, Retail Risk MIS, or Consumer Financing Portfolio Management.

Skills Required

• Strong analytical, quantitative, and problem-solving skills, with the ability to interpret complex data and translate findings into actionable business insights.

• Advanced proficiency in SQL, MS Excel/Power Query, and data visualization tools.

• Sound knowledge of credit risk analytics, including:

  • Vintage Analysis

  • Roll-Rate Analysis

  • Scorecard Modelling

  • Portfolio Monitoring

  • Provisioning

  • Stress Testing

• Good understanding of Islamic consumer financing products, portfolio risk management, and applicable SBP regulatory requirements.

• Strong stakeholder management, communication, and presentation skills.

Key Responsibilities

1. Monitor and analyse the performance and quality of the consumer financing portfolio, including Personal Finance, Auto Finance, and Home Finance.

2. Develop, enhance, and maintain credit scorecards, behavioural risk models, and portfolio dashboards to support risk assessment, policy reviews, and data-driven decision-making.

3. Oversee consumer credit risk data and MIS, ensuring data integrity, accurate provisioning, credit loss forecasting, and timely portfolio reporting.

4. Conduct portfolio risk assessments, stress testing, collection efficiency analysis, and recovery trend monitoring to identify emerging risks and recommend appropriate mitigation measures.

5. Collaborate with Consumer Business, Collections, and Credit Policy teams to strengthen risk management practices, optimise portfolio performance, and enhance automated financing assessment processes.

6. Provide analytical support for internal and external audits, regulatory reporting, and compliance with the Bank's risk management framework and applicable SBP requirements.

Job Summary

BankIslami is seeking an experienced Manager Analytics - Consumer Credit to strengthen its Consumer Credit department in Karachi. The ideal candidate should possess strong expertise in credit risk analytics, data modelling, portfolio monitoring, and Islamic consumer financing.

Interested candidates should apply before December 1, 2026.