Banking Services Manager - Islamic

Department: Branch Operations- IMD

Reports To: Executive Manager Branch Operations

Job Grade: OG-I

Total Positions: 01

Location: Karachi Saddar - Islamic Branch

What is Banking Services Manager Islamic - MMBL?

As a Banking Services Manager (BSM), you will be responsible for driving asset and liability business growth, ensuring effective financial planning, and managing branch operations in a Shariah-compliant manner. You will lead a branch team to achieve sales and profitability objectives, strengthen customer relationships, and maintain compliance with Islamic banking standards and SBP regulations.

What does a Banking Services Manager Islamic – MMBL does?

• Lead and uplift the branch operations team and act as a true supervisor of branch affairs.
• Work in close liaison with Branch Manager to achieve optimum results .
• To supervise & administer the operations of branch in a manner that bank's policies procedure and SBP prudential Regulations are fully adhered including Shariah compliance guidelines .
• To create a working environment where customer get best attention and service.
• To ensure staff under domain is working in line with Islamic Banking SOP's, controls and ensure to recommend timely rotation of staff.
• To ensure that concept of dual control is fully adhered and secrecy of cash safe keys and test keys/passwords are not compromised.
• All system related inputs/outputs are signed jointly and output/input reports are properly sealed and kept in record.
• To attend auditors (Internal/External/SBP), Internal Control and arrange compliance of their reports with in timelines.
• To observe cash in safe/cash on counter limits.
• To prepare and submit all MIS/Confirmations as and when required. To attend customer's complaints for their timely resolution.
• To ensure that account balancing is carried out on independent basis and outstanding items in all suspense, excess, shortage, prepaid expenses accounts are reviewed and balanced as per actual on monthly basis
• Maintenance and balancing of Security Stationary periodically as per SOP.
• Supervise and Maintain record of all account opening and its related operations.
• To ensure daily balancing of cash book, vault and necessary reports are prepared.
• To arrange handling of all departments and not limited to Deposits, Cash tellers, Bills, Inward/Outward Clearing/Remittances, HRD, Credits, Jazz Cash, Borrower/Nonborrower accounts, Recoveries and all other Islamic Banking Activities in a manner that internal control remains in place, customers remain satisfied and operational risks are minimized with adherence to Islamic principles .
• Authorization and supervision of all type of financial and non-financial transactions requests on the system on real time by ensuring no transaction Is left unauthorized at day end.
• Ensure proper staff backup is available for critical position.
• Ensure staff punctuality and adherence to bank dress code.
• To nominate staff for training in consultation with LM
• To maintain close co-ordination and cooperation between departments of Bank for smooth conduct of bank's business.
• To keep an eye on staff behavior and activities and report if any suspiciousness is observed.
• Supervise custody and record keeping Of PDC's, Gold, Pass Books, Duplicate Keys, ATM Combination Codes and any security.
• To manage HR and admin related matters of branch staff.
• Ensure that all the processes are completed successfully before the end of the day and physical vouchers are checked, tallied and stitched with User Activity Reports on daily basis.
• Any other duty assigned by Line Manager.

What are we looking for, and what does it take to be a Banking Services Manager Islamic - MMBL?

Job Requirements:

• Hold a Bachelor’s degree in marketing or commerce from a reputable Institution. MBA will be preferable (Subject to approval).
• Have a minimum of 5 years of relevant work experience, with prior experience in Islamic banking highly preferred .
• Diploma/ certification in Islamic Banking will be given preference.

Essential Skills:

• Knowledge of Islamic Banking & practices
• Proficient in MS Office
• Strong analytical skills
• Team management
• Time management
• Negotiation skills
• Customer Relationship
• Ability to work under pressure
• Sound communication and interpersonal skills

Desirable Skills:

• Skilled in business planning, retail banking and customer service
• Thorough understanding of compliance and regulatory requirements for bank including Shariah compliance and Islamic banking regulations.

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan instalments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join MMBL?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.