Qureos Mentor

Mashreq

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 Job Purpose
 
 
 
 
 
 
 The Virtual Relationship Manager (VRM) will be serving as the key digital bridge between the bank and its SME clients. The role involves driving proactive client engagement, overseeing seamless onboarding and post-onboarding support, and ensuring tailored financial solutions, will be accountable for his own performance, client satisfaction, and revenue growth, while ensuring compliance and fostering a customer-centric, tech-driven digital banking experience.
 
 
 
 
 
 Key Result Areas
 
 
 
 
 
 Virtual Relationship Managers (VRMs) are pivotal in driving customer-centric growth and loyalty through regular client interactions, below provided are the key focus areas for the VRM&rsquo;s
 
 <ul>
 <li>
 Lead Management &amp; Drop-off Handling (New Acquisition)
 </li>
 <li>
 Managing NSTP Scenarios
 </li>
 <li>
 Assisted client onboarding
 </li>
 <li>
 Client Servicing &amp; Complaints Handling
 </li>
 <li>
 Cross-Sell (within 3 MOB)
 </li>
 <li>
 Portfolio Management
 </li>
 </ul>
 
 
 
 
 
 Knowledge, Skills and Experience
 
 
 
 
 
 
 &bull; Strong sales knowledge &amp; market trends/investments/ Financial Market Knowledge.
 
 
 &bull; Strong Interpersonal skills and cultural sensitivity
 
 
 &bull; Relationship Management &amp; Networking skills. Extrovert/Amiable personality
 
 
 &bull; At least 5-7 years&rsquo; experience in a similar job.
 
 
 &bull; Self-Motivated and positive attitude.
 
 
 &bull; Analytical and numeric skills.
 
 
 &bull; Problem resolution skills.
 
 
 &bull; Ability to work under pressure and think on his/er feet.
 
 
 &bull; Dynamic, result-oriented approach to work.
 
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Virtual Relationship Manager (Mashreq Digital Bank Pakistan)

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 Job Description
 
 Designation: Assistant Manager &ndash; RBG Analytics
 
 Department: RBG Analytics
 
 Experience: 6-8 Years
 
 Location: Pakistan
 
 
 Role Purpose
 
 The Assistant Manager &ndash; AI &amp; Machine Learning will support the development of advanced analytics and AI-driven solutions to enhance digital banking performance, customer engagement, and marketing effectiveness. The role focuses on leveraging customer digital footprint data across digital channels to generate insights, develop predictive models, and optimize digital marketing campaigns and customer journeys.
 
 In addition to traditional machine learning expertise, the role requires foundational AI Engineering capabilities, including familiarity with Large Language Models (LLMs) and their application in banking use cases such as customer support automation, intelligent search, and digital engagement solutions.
 
 The role requires strong analytical capability, technical expertise in machine learning, and the ability to translate digital behavioral data into actionable insights that support business growth and customer experience initiatives.
 
 
 Ability to deliver Use cases in RM Efficiency/Productivity improvement
 
 Ability to do Analytics on Commercial Banking / Corporate Banking Portfolio and Identity Opportunities
 
 Portfolio Analytics on CASA Portfolio to support CASA Squad and Product team
 
 Bringing robust tracking and campaign fulfillment process for Liabilities /Trade Finance/ Working Capital
 
 
 Key Result Areas (KRA)
 
 1. Machine Learning &amp; Predictive Analytics
 
 - Develop and deploy machine learning models to support digital banking use cases such as customer segmentation, churn prediction, next-best-product recommendations, and campaign targeting.
 
 - Implement predictive analytics models to improve customer engagement and product adoption across digital channels.
 
 - Continuously monitor model performance and refine algorithms to improve accuracy and business impact.
 
 Digital Marketing Analytics
 
 - Support marketing teams in evaluating digital campaign performance using advanced analytics and AI-driven insights.
 
 - Build models for campaign targeting, customer propensity, and marketing attribution.
 
 - Provide insights on channel effectiveness, campaign ROI, and customer acquisition strategies.
 
 4. AI Engineering &amp; LLM Applications
 
 - Support the design and development of AI-powered solutions using Large Language Models (LLMs) for digital banking use cases.
 
 - Assist in building AI-driven tools such as chatbots, intelligent assistants, knowledge search, and automated content generation.
 
 - Integrate AI models and APIs into banking platforms and analytics workflows.
 
 - Experiment with prompt engineering and model fine-tuning to enhance AI solution performance.
 
 5. Data Preparation &amp; Feature Engineering
 
 - Extract, clean, and transform large datasets from multiple banking systems and digital platforms.
 
 - Develop feature engineering strategies to improve machine learning model performance.
 
 - Work with data engineering teams to ensure efficient data pipelines for analytics use cases.
 
 6. Collaboration with Business &amp; Product Teams
 
 - Work closely with digital banking, marketing, and product teams to identify data-driven opportunities.
 
 - Translate business requirements into analytical models and actionable insights.
 
 - Present findings and recommendations to stakeholders to support strategic decisions.
 
 
 Problem Solving &amp; Decision Making
 
 Analytical Problem Solving
 
 - Analyze complex datasets to identify patterns, anomalies, and opportunities that improve customer engagement and digital banking performance.
 
 - Apply statistical techniques and machine learning methods to solve real business challenges.
 
 AI Solution Design
 
 - Support decision-making related to the selection and application of AI/ML models, including LLM-based solutions for digital banking processes.
 
 - Evaluate trade-offs between model performance, scalability, and usability in production environments.
 
 Data Interpretation &amp; Business Insights
 
 - Translate complex analytical outputs into clear business insights that can inform marketing strategies and product development.
 
 
 Technical Skills
 
 Programming &amp; Data Analysis
 
 - Strong proficiency in Python for machine learning and data analysis.
 
 - Experience with SQL for data extraction and manipulation.
 
 - Knowledge of R is an added advantage.
 
 Machine Learning &amp; AI
 
 - Experience with machine learning algorithms including regression, classification, clustering, and recommendation systems.
 
 - Hands-on experience with libraries such as Scikit-learn, TensorFlow, PyTorch, XGBoost, or LightGBM.
 
 AI Engineering &amp; LLM Technologies
 
 - Understanding of Large Language Models (LLMs) and their applications.
 
 - Experience working with LLM APIs and frameworks (e.g., OpenAI APIs, LangChain, or similar frameworks).
 
 - Basic knowledge of prompt engineering, embeddings, and retrieval-augmented generation (RAG).
 
 - Familiarity with developing AI-enabled applications such as chatbots or knowledge assistants.
 
 Data Processing
 
 - Experience working with large datasets using Pandas, NumPy, and big data frameworks such as PySpark or Spark.
 
 Digital Analytics Tools
 
 - Familiarity with digital analytics platforms such as Google Analytics, Adobe Analytics, or similar tools.
 
 - Experience analyzing customer digital behavior and clickstream data.
 
 Data Visualization
 
 - Ability to build dashboards and visualizations using Power BI, Tableau, or similar BI tools.
 
 
 Skills &amp; Competencies
 
 - Strong analytical and problem-solving abilities
 
 - Ability to work with large and complex datasets
 
 - Understanding of digital customer journeys and online behavior analytics
 
 - Foundational understanding of AI engineering concepts and LLM applications
 
 - Effective communication and presentation skills
 
 - Ability to translate analytical insights into business recommendations
 
 - Collaborative approach to working with cross-functional teams
 
 
 Educational Qualifications
 
 Bachelor&rsquo;s or master&rsquo;s degree in one of the following disciplines:
 
 - Computer Science
 
 - Data Science
 
 - Artificial Intelligence
 
 - Statistics
 
 - Engineering or related quantitative field Bottom of Form
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Assistant Manager - Analytics (Mashreq Global Network Pakistan)

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 Job Purpose
 
 - Conduct thorough post-transaction reviews of suspected fraud cases (e.g., account takeover, identity misuse)
 
 
 - Analyze case-level data using basic SQL or visualization tools to identify emerging fraud trends and propose hypotheses for rule enhancements to the strategy team
 
 
 - Extract, summarize, and report on key fraud metrics including loss patterns, alert volumes, and operational bottlenecks through dashboards or scheduled reports
 
 
 - Maintain MIS for FP&amp;I for the bank as per regulatory and group standards.
 
 
 - Review and analyze system / data base logs of Mashreq Pakistan Systems for fraud cases.
 
 
 - Prepare Daily trends of various legs including but not limited to EFM Systems, Tickets etc.
 
 
 - Prepare Dashboards for EFM, ticketing systems, Transaction Monitoring to measure the associated risks.
 
 
 - Deep dive into key areas for process automation.
 
 
 - Analyze data for rule setting to minimize/mitigate fraud risk through effective utilization of fraud detection tools.
 
 
 - Be a back up for Transaction monitoring system for fraud detection when applicable.
 
 
 
 Key Result Areas
 
 - Implement Dashboards for daily trends for management visibility.
 
 - Profiling of accounts to abnormal activities for fixtures/changes in journeys/processes where applicable
 
 - Assist in fraud prevention &amp; detection measures to implement strategies.
 
 
 Knowledge, Skills and Experience
 
 - Bachelor 4 years, preferably in computer Science.
 
 - Proficient in data science &amp; machine learning.
 
 - 01 years of experience in fraud detection, risk management, payments, or a related field (preferably in fintech, banking, or e-commerce)
 
 - Able to write simple SQL queries or use dashboards (Power BI) to extract and interpret case-level analyses.
 
 - Strong analytical and investigative skills with attention to detail.
 
 - Understanding of regulatory requirements.
 
 - Ability to think critically and work efficiently in a fast-paced, high-growth environment
 
 - Excellent written and verbal communication skills
 
 - Comfortable working in a fast-paced, execution-driven environment
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Fraud Analyst.FPI - MBP.Client Experience and Conduct Group-MBPKLTD

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 The transformation office is working on establishing Mashreq&rsquo;s Testing Center of Excellence (TCOE). It is a centralized testing framework within an organization that standardizes processes, tools, best practices, and governance. In a global bank like Mashreq, it acts as a quality assurance hub that provides strategy, tools, and resources across technology and business domains spanning retail, digital, corporate, investment banking, and regulatory areas. The purpose of the job is to augment TCOE process and artifacts, ensure their implementation on the project under test, creating test KPIs, metrics and dashboards and capturing them across Mashreq projects. The role must be self-directed and comfortable supporting the needs of multiple teams, systems, and products. The right candidate will be excited by the prospect of optimizing or even re-designing our company&rsquo;s testing practices, SOPs and architecture to support our next generation of products and Quality initiatives.
 
 
 Key Result Areas
 
 &middot; Define, standardize, and continuously improve QA processes, templates, and best practices across all projects. &middot; Ensure alignment with industry standards, regulatory requirements, and Mashreq&rsquo;s QA Policy. &middot; Promote automation, AI-driven testing, and innovative practices to enhance process efficiency and reliability. &middot; Establish and maintain governance frameworks to ensure QA activities comply with internal policies and external regulations. &middot; Conduct regular audits, reviews, and maturity assessments to evaluate process adherence and effectiveness. &middot; Identify process-related risks and implement mitigation and contingency strategies for critical QA activities. &middot; Define and track key QA KPIs (e.g., defect density, test coverage, cycle time) to measure process performance. &middot; Develop dashboards and reports to communicate insights and trends to stakeholders. &middot; Leverage historical data and predictive analytics to proactively identify quality risks and improvement opportunities. &middot; Collaborate with QA portfolio leads, developers, product managers, and business analysts to ensure process alignment. &middot; Facilitate cross-functional communication and resolve process-related conflicts to maintain consistency and quality. &middot; Integrate QA governance with enterprise architecture, risk, and compliance frameworks. &middot; Develop training materials and conduct workshops to educate teams on QA processes, governance, and tools. &middot; Mentor QA staff on process adoption, improvement techniques, and governance principles. &middot; Lead change management initiatives to drive adoption of new QA practices and reduce
 
 resistance. &middot; Evaluate and recommend tools that support process governance, automation, and reporting. &middot; Establish a central repository for QA assets, templates, best practices, and lessons learned to promote reuse and knowledge sharing. &middot; Define and maintain a QA maturity model to guide teams through progressive levels of process excellence. &middot; Benchmark QA practices against industry peers and lead continuous improvement initiatives to elevate organizational QA maturity.
 
 Operating Environment, Framework and Boundaries, Working Relationships
 
 &middot; Able to Effectively Plan &amp; Organize &middot; Strong Interpersonal Communication &middot; Assist others in the completion of their tasks to support the group goals &middot; Build and maintain cooperative work relationships with others
 
 Problem Solving
 
 &middot; Experienced in application designing, architecting, development and deployment of TCOE manifesto. Must be efficient in banking domain and know QA best practices. &middot; Strong testing design and implementation skills. Experienced in banking applicatioins. &middot; Feasibility Analysis- Analyze the requirements to define scope and evaluate technical feasibility.
 
 Decision Making Authority &amp; Responsibility
 
 &middot; Work on the right tasks by ensuring they know their top deliverables &middot; Assume personal responsibility for achieving outcomes
 
 Knowledge, Skills and Experience
 
 &middot; Over 15 years of experience in banking QA &middot; Bachelor's or master's degree in a quantitative discipline such as Computer Science, Engineering, or Economics. &middot; Experience in QA and QA leadership roles. &middot; Proficient in working with QA teams. &middot; Advanced skills in automation scripting, tagging conventions, and test case design. &middot; Strong command over defect lifecycle, severity categorization, defect aging, and defect removal efficiency (DRE). &middot; Handling test data provisioning, synthetic data generation, and environment setup. &middot; Hands-on experience with Azure DevOps, Jira, Confluence, SharePoint, and dashboard/reporting tools like Excel, Grafana, and Power BI. &middot; Proficiency in validating APIs for functionality, reliability, and security. &middot; Ability to define and track: Automation coverage, Execution metrics (plan vs actual), Defect density and leakage trends, Productivity benchmarks (e.g., test cases/day), Exit criteria automation &middot; Experience in building dashboards with auto-populated metrics and heat maps for defect and execution trends. &middot; Root cause analysis, risk identification, and mitigation planning. &middot; Effective stakeholder engagement, cross-functional coordination, and clear documentation. &middot; Leading triage calls, peer reviews, and coaching junior testers. &middot; Driving process optimization, standardization, and reuse of QA assets. &middot; Deliverables &amp; Responsibilities: QA Strategy Documents, Test Plan &amp; Exit Reports, Automation Strategy &amp; Execution Summary, Weekly Status Reports &amp; Dashboards, SOPs for QA processes
 
 &middot; Weekly, monthly and quarterly QA Audits and reporting
</div>

AVP, Central Process and Governance Lead - TCOE.MGN Pak - TECH - Transformation Office.MIT - PAKCOE

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 - To achieve monthly KPIs assigned
 
 
 - To maintain standard performance to achieve top productivity and efficiency from systems as well as the product campaigns.
 
 
 - To ensure that all telesales activities are directed to meeting sales targets.
 
 
 - To ensure assigned card acquisition monthly targets are achieved
 
 
 - To ensure that there is no miss selling
 
 
 - Adherence to discipline and punctuality
 
 
 - Constant follow up with the customer.
 
 
 - Attending Daily team huddles &amp; keeps up to team commitments.
 
 
 - Monitor personal performance and align strategies to improve sales out comes.
 
 
 - Follow verification policy &ndash; adhere to banking policies, procedures and regulatory requirements .
 
 
 - Updating all the systems as per the call with the customer.
 
 
 - Achieve given targets on monthly basis.
 
 
 - Meeting the KPI Targets set in term of card acquisition
 
 
 - Contact potential and existing customer via phone to introduce and promote banking products.
 
 
 - Understand the customer needs and recommend suitable banking solutions.
 
 
 - Cross-sell and upsell products to maximize revenue opportunities.
 
 
 - Processing of the request or offer given to the customer.
 
 
 - Handling of all customer issues and resolve the same at the earliest and highlight them to the TL.
 
 
 - Maintaining all records of the approval, requests and reports handled.
 
 
 - Build and maintain strong relationships with customer.
 
 
 - Handle customer inquiries and provide detailed information about product services
 
 
 - Address customer concerns and resolve complaints efficiently .
 
 
 - Compilation of daily and monthly reports and MIS for the team.
 
 
 - Has strong Sales and customer focus and ability to think creatively and work under pressure.
 
 
 - Ensure to meet 100% on control parameters and policy set by the bank audit team.
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Relationship Officer, DBC - Balance Builder.MGN Pak - Direct Banking Center - Balance Builder.Retail Banking Group-PAKCOE

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 Team Lead &ndash; Nostro and Sundry Reconciliation is responsible for overseeing the end-to-end reconciliation process of Nostro and Sundry accounts to ensure accuracy, integrity, and compliance with internal policies and regulatory standards. The role involves supervising a team of analysts, ensuring timely identification and resolution of discrepancies, and maintaining effective controls over Nostro &amp; Sundry accounts. The Team Lead will also collaborate with internal departments and external stakeholders, contribute to process enhancements, drive automation initiatives, and support audit and reporting requirements to ensure smooth, error-free BAU operations.
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Team Lead - Reconciliation.MGN Pak - Ops - Reconciliation.Operations Group-PAKCOE

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 Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, by working with the Relationship Managers (RMs / SRMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
 
 - Review with the CIBG Relationship Teams/WRM, deals, facility structures, credit products / services, and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies.
 
 
 - Quick and timely turnaround of CPs while maintaining quality of analysis.
 
 
 - Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability
 
 
 - Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence
 
 
 - Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor
 
 
 
 - During RM&rsquo;s absence (leave / training/secondment etc.), step into the role of the RM, and provide the required guidance to the team.
 
 
 
 The incumbent has to understand and abide by:
 
 - Regulatory &amp; legal framework, banking conventions, agreements and practices.
 
 
 - All Mashreqbank policies, guidelines and manuals (risk, operational, Anti-Money Laundering etc.)
 
 
 - Working relationships:
 
 Internal: CRM, IBG, TCM, OPS
 
 External: CIBG Customers
 
 
 
 - Analytical thinking, up to date on Macro Economic trends influencing the Industry
 
 
 - Thorough understanding of Mashreqbank&rsquo;s policies and procedures in addition to regulatory, operational and compliance requirements.
 
 
 - Clear understanding of business transactions and relationship requirements with close coordination with the relationship team and WRM, without losing focus on risk, regulations and control issues.
 
 
 - Regulatory, operational, compliance and AML requirements would require thorough understanding of local banking practices.
 
 
 
 - Should use their judgment in daily decisions and be guided by superior if required.
 
 
 - Responsibility to monitor and report portfolio quality, size, mix and ensure adherence to risk / return guidelines.
 
 
 - Monitor, report and recommend actions if risk profiles of a relationship or a specific deal changes.
 
 
 - To comment on the account conduct/ behavior of client.
 
 
 - Provide financial solutions to customer requirements
 
 
 
 
 - Minimum 6-9 years of experience of credit / financial analysis at similar level in banking and / or related field.
 
 
 - Degree in business / economics. A post graduate diploma / Chartered Accountancy or a similar qualification will be considered as an asset.
 
 
 - Local market knowledge and sufficient knowledge of the bank&rsquo;s products and operating systems.
 
 
 - Excellent command over verbal and written English. Arabic language skill will be an added advantage.
 
 
 - Conversant with banking laws and local regulations.
 
 
 - Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions.
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Credit Relationship Manager.COE Pak - CIBG - TC Portfolio Management & Monitoring.Corporate & Investment Banking Group-PAKCOE

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