business development executive Jobs in Islamabad Pakistan

business development executive

business development manager Jobs in Islamabad Pakistan

business development manager

digital marketing executive Jobs in Islamabad Pakistan

digital marketing executive

relationship manager - employee banking Jobs in Islamabad Pakistan

relationship manager - employee banking

relationship manager business banking Jobs in Islamabad Pakistan

relationship manager business banking

executive manager digital sme banking products

Mobilink Bank

<div>
 <p>
  <strong>
   Job Title:
  </strong>
  Executive Manager, Digital SME Banking Products
 </p>
 <p>
  <strong>
   Grade:
  </strong>
  VP
 </p>
 <p>
  <strong>
   Reports to:
  </strong>
  Head, Digital Banking
 </p>
 <p>
  <strong>
   Location:
  </strong>
  Head-Office
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About the Role:
  </strong>
 </p>
 <p>
  The Executive Manager &ndash; Digital SME Banking Products will lead the end-to-end development, enhancement and digitization of SME-focused financial products. While digital credit and lending remain a core component of the role, the incumbent will also oversee a wider portfolio of SME offerings including savings, payments, cash-flow solutions, merchant services and value-added digital tools.
 </p>
 <p>
  This role will work closely with Business, Technology, Credit, Risk, Compliance and Operations to design scalable, innovative and customer-centric SME solutions
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   SME Digital Product Strategy
  </strong>
 </p>
 <ul>
  <li>
   Develop and refine the SME product roadmap across product lines (digital supply chain financing solutions, credit access, merchant financing, savings, account, etc.).
  </li>
  <li>
   Identify needs of SMEs, micro-enterprises, merchants and other segments using market insights and customer data.
  </li>
  <li>
   Benchmark SME offerings across the industry and region to identify gaps and opportunities.
  </li>
  <li>
   Ensure alignment with regulatory frameworks, risk appetite and the bank&rsquo;s digital strategy.
  </li>
 </ul>
 <p>
  <strong>
   Digital Lending &amp; Credit Innovations
  </strong>
 </p>
 <p>
  Design and digitize end-to-end SME and lending journeys (Origination to Disbursement and Collections, Merchant integration).
 </p>
 <ul>
  <li>
   Digitize and optimize lending products end-to-end for SME customers (working capital, term loans, invoice financing, merchant credit, etc.).
  </li>
  <li>
   Support creation of new digital credit offerings such as supply chain finance, embedded lending, and platform-based financing.
  </li>
  <li>
   Collaborate with Credit and Risk to design automated rules, scorecards and underwriting logic.
  </li>
  <li>
   Enable integrations with LOS/LMS, CBS, credit bureaus, alternative data sources, and payment systems (including Raast).
  </li>
 </ul>
 <p>
  <strong>
   End-to-End Product Development
  </strong>
 </p>
 <ul>
  <li>
   Lead the complete digital product lifecycle from concept to launch across segments.
  </li>
  <li>
   Translate product vision into PRDs, business requirements, user flows and customer journeys.
  </li>
  <li>
   Design frictionless digital journeys across mobile app, internet banking, partner portals, and merchant interfaces.
  </li>
  <li>
   Work with engineering team to ensure platform readiness, system integration and timely delivery.
  </li>
  <li>
   Maintain a structured product backlog and lead sprint planning, reviews, and deployment coordination.
  </li>
  <li>
   Drive bundled value propositions including payments, payroll solutions, QR acceptance, and partner integrations.
  </li>
  <li>
   Enable embedded finance through partnerships with fintechs, aggregators and marketplaces.
  </li>
  <li>
   Enhance customer stickiness and lifetime value through ecosystem strategy.
  </li>
 </ul>
 <p>
  <strong>
   Regulatory &amp; Governance Alignment
  </strong>
 </p>
 <ul>
  <li>
   Ensure product structures comply with SBP regulations and internal credit policies.
  </li>
  <li>
   Coordinate with Compliance, Risk and Internal Audit for necessary approvals.
  </li>
  <li>
   Embed responsible lending principles and consumer protection safeguards within product design.
  </li>
  <li>
   Maintain updated documentation for regulatory reviews.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Education
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s/Master&rsquo;s in Computer Science, Business, Finance or a related field.
  </li>
  <li>
   Certifications in product management, UX, digital banking or credit risk are a plus.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Experience
  </strong>
 </p>
 <ul>
  <li>
   7+ years in SME digital banking, product development, lending systems or fintech.
  </li>
  <li>
   Hands-on experience with LOS/LMS, scoring engines, APIs, bureau integrations and digital KYC.
  </li>
  <li>
   Strong understanding of retail/SME lending workflows, underwriting, and risk assessment.
  </li>
  <li>
   Ability to write BRDs, PRDs and credit logic documentation.
  </li>
  <li>
   Experience in user journey design and digital optimization.
  </li>
  <li>
   Strong analytical skills for funnel monitoring and portfolio evaluation.
  </li>
  <li>
   Clear and structured communication.
  </li>
  <li>
   Strong stakeholder collaboration and cross-functional leadership.
  </li>
  <li>
   Problem-solving mindset with strong ownership.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About MMBL:
  </strong>
 </p>
 <p>
  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 &amp; 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.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Why Join MMBL?
  </strong>
 </p>
 <p>
  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 endeavour.
 </p>
 <p>
 </p>
</div>


Executive Manager, Digital SME Banking Products

Standard Chartered Bank

<p></p><div><div><div><div><div><div><b>Requisition Number: </b>48082
</div></div></div></div><div><div><div><div><b>Job Location: </b>Islamabad, PAK
</div></div></div></div><div><div><div><div><b>Work Type: </b>Office Working
</div></div></div></div><div><div><div><div><b>Employment Type: </b>Permanent
</div></div></div></div><div><div><div><div><b>Posting Start Date: </b>23/02/2026
</div></div></div></div><div><div><div><div><b>Posting End Date: </b>08/03/2026
</div></div></div></div><div><div><div><div><b>:
</b><div><div><div><div><b>Job Summary</b></div>
</div><div><div>
<div><div><div><div><p>This role is responsible for achieving sales targets and managing the Small and Medium Enterprise (SME) business working capital efficiently. The position requires maintaining high standards of customer service and compliance. The ideal candidate should have experience in Corporate/Commercial Banking with a strong knowledge of Trade and Working Capital products.</p></div><br>
</div>
</div></div></div></div></div><div></div><div><div><div><b>Key Responsibilities</b></div>
</div><div><ul><li>Achieve the sales targets set by the Team Leader.</li>
<li>Solicit new SME customers in line with the bank&rsquo;s sales policy, strategy, and targets.</li>
<li>Visit existing SME Banking Customers to deepen relationships and identify new business opportunities.</li>
<li>Ensure strict adherence to Account Opening procedures as per policies and guidelines.</li>
<li>Conduct thorough Credit Risk Assessments for SME Trade and Working Capital Clients.</li>
<li>Prepare comprehensive Business Credit Applications for SME clients.</li>
<li>Manage the SME credit portfolio efficiently, ensuring zero expired facilities.</li>
<li>Promote the highest level of customer service and responsiveness to SME Banking Customers.</li>
<li>Assess the needs and problems of existing SME customers, providing intelligent solutions to their queries and concerns.</li>
<li>Monitor SME customer fund movements, identifying and addressing cases where customers fall below criteria levels.</li>
<li>Follow sales management and credit processes regularly, submitting required reports to management in a timely manner.</li>
<li>Maintain close coordination with Client Management and Operations staff to provide prompt and excellent service to SME customers.</li>
<li>Ensure adherence to know-your-customer (KYC) requirements, supported by proper documentation.</li>
<li>Monitor and respond to AML reports daily, weekly, and monthly, highlighting any suspicious activities.</li>
<li>Ensure timely closure of Suspicious Transaction Reports (STRs) and compliance with AML guidelines to prevent issues in audits.</li>
<li>Ensure the branch premises maintain the highest standards of hygiene, cleanliness, and comfort.</li>
</ul></div></div><div><div><div><b>Skills and Experience</b></div>
</div><div><ul><li>Corporate/ Commercial Banking with strong knowledge Trade and Working Capital products.</li>
<li>Strong understanding of credit risk assessment and business credit application processes for SMEs.</li>
<li>Excellent customer service and relationship management skills, specifically with SME clients.</li>
<li>Ability to monitor and manage SME customer fund movements effectively.</li>
<li>Proficiency in compliance and AML guidelines.</li>
<li>Strong coordination and communication skills with internal teams.</li>
</ul></div></div><div><div><div><b>About Standard Chartered</b></div>
</div><div><p>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p>
<p>Together we:</p>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><p><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li></ul></div></div></div></div></div></div></div></div></div><p></p>

Relationship Manager Business Banking

Standard Chartered

<div>
 <strong>
  Job Summary
  <br/>
  <br/>
 </strong>
 This role is responsible for achieving sales targets and managing the Small and Medium Enterprise (SME) business working capital efficiently. The position requires maintaining high standards of customer service and compliance. The ideal candidate should have experience in Corporate/Commercial Banking with a strong knowledge of Trade and Working Capital products.
 <br/>
 <br/>
 <strong>
  Key Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Achieve the sales targets set by the Team Leader.
  </li>
  <li>
   Solicit new SME customers in line with the bank&rsquo;s sales policy, strategy, and targets.
  </li>
  <li>
   Visit existing SME Banking Customers to deepen relationships and identify new business opportunities.
  </li>
  <li>
   Ensure strict adherence to Account Opening procedures as per policies and guidelines.
  </li>
  <li>
   Conduct thorough Credit Risk Assessments for SME Trade and Working Capital Clients.
  </li>
  <li>
   Prepare comprehensive Business Credit Applications for SME clients.
  </li>
  <li>
   Manage the SME credit portfolio efficiently, ensuring zero expired facilities.
  </li>
  <li>
   Promote the highest level of customer service and responsiveness to SME Banking Customers.
  </li>
  <li>
   Assess the needs and problems of existing SME customers, providing intelligent solutions to their queries and concerns.
  </li>
  <li>
   Monitor SME customer fund movements, identifying and addressing cases where customers fall below criteria levels.
  </li>
  <li>
   Follow sales management and credit processes regularly, submitting required reports to management in a timely manner.
  </li>
  <li>
   Maintain close coordination with Client Management and Operations staff to provide prompt and excellent service to SME customers.
  </li>
  <li>
   Ensure adherence to know-your-customer (KYC) requirements, supported by proper documentation.
  </li>
  <li>
   Monitor and respond to AML reports daily, weekly, and monthly, highlighting any suspicious activities.
  </li>
  <li>
   Ensure timely closure of Suspicious Transaction Reports (STRs) and compliance with AML guidelines to prevent issues in audits.
  </li>
  <li>
   Ensure the branch premises maintain the highest standards of hygiene, cleanliness, and comfort.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Skills And Experience
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Corporate/ Commercial Banking with strong knowledge Trade and Working Capital products.
  </li>
  <li>
   Strong understanding of credit risk assessment and business credit application processes for SMEs.
  </li>
  <li>
   Excellent customer service and relationship management skills, specifically with SME clients.
  </li>
  <li>
   Ability to monitor and manage SME customer fund movements effectively.
  </li>
  <li>
   Proficiency in compliance and AML guidelines.
  </li>
  <li>
   Strong coordination and communication skills with internal teams.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  About Standard Chartered
  <br/>
  <br/>
 </strong>
 We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
 <br/>
 <br/>
 Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
 <br/>
 <br/>
 <strong>
  Together We
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
  </li>
  <li>
   Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
  </li>
  <li>
   Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  What We Offer
  <br/>
  <br/>
 </strong>
 <strong>
  In line with our Fair Pay Charter,
 </strong>
 we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
 <br/>
 <br/>
 <ul>
  <li>
   Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
  </li>
  <li>
   Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
  </li>
  <li>
   Flexible working options based around home and office locations, with flexible working patterns.
  </li>
  <li>
   Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
  </li>
  <li>
   A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
  </li>
  <li>
   Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
  </li>
 </ul>
</div>


<div>
 <p>
  <strong>
   Job Title:
  </strong>
  Lead, Channels Integration
 </p>
 <p>
  <strong>
   Department:
  </strong>
  Information Technology
 </p>
 <p>
  <strong>
   Grade:
  </strong>
  AVP
 </p>
 <p>
  <strong>
   Reports to:
  </strong>
  Executive Manager Applications integration
 </p>
 <p>
  <strong>
   Location:
  </strong>
  Head-Office
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Manage and implement the integrations between the Islamic CBS (Temenos), digital and ADC channels.
  </li>
  <li>
   Lead the end-to-end Islamic banking channels integration life cycle overseeing everything from initial feasibility and effort estimation to complex migrations and long-term application maintenance.
  </li>
  <li>
   Translate digital channels architecture and existing functionality into system flows, flowcharts, and database designs to guide the internal and external teams.
  </li>
  <li>
   Supervise all patch deployments, system upgrades, and version releases within the defined Islamic banking channels scope and timelines.
  </li>
  <li>
   Enforce industry-standard implementation practices and architectural design patterns across all channels with core banking system.
  </li>
  <li>
   Facilitate peer reviews and user testing phases; provide support for listing detailed Islamic baking use cases with stakeholders and technical support to ensure robust Islamic banking channels integration and implementation.
  </li>
  <li>
   Coordinate the full testing suite, including System Integration Testing (SIT) and User Acceptance Testing (UAT) with core banking, in collaboration with internal and external partners.
  </li>
  <li>
   Follow all organizational and IT security policies to ensure safe and stable operations.
  </li>
  <li>
   Conduct thorough impact analysis to identify potential breaking changes in APIs, messaging protocols, or data mappings
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Requirements:
  </strong>
 </p>
 <ul>
  <li>
   Have knowledge/experience of Middleware and ATM switches (IRIS, UBPS) and digital channels.
  </li>
  <li>
   Integration and implementation experience with CBS(Temenos)
  </li>
  <li>
   Knowledge of ISO 8583 and ISO 20022.
  </li>
  <li>
   Have knowledge of core and branchless banking applications.
  </li>
  <li>
   Have knowledge of SDLC and adherence with all phases.
  </li>
  <li>
   Have good verbal and written communication skills.
  </li>
  <li>
   Aware of Incident and Change Management best practices.
  </li>
  <li>
   A disciplined approach to documentation and change management.
  </li>
  <li>
   Knowledge of API gateway (Kong).
  </li>
  <li>
   Working experience with Rest and Soap Based APIs.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Essential Skills:
  </strong>
 </p>
 <ul>
  <li>
   Proficient in MS Office
  </li>
  <li>
   Strong analytical skill
  </li>
  <li>
   Team management
  </li>
  <li>
   Time management
  </li>
  <li>
   Negotiation skills
  </li>
  <li>
   Customer Relationship
  </li>
  <li>
   Ability to work under pressure
  </li>
  <li>
   Sound communication and interpersonal skills
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About MMBL:
  </strong>
 </p>
 <p>
  Mobilink Microfinance Bank Ltd. is providing banking services to over 58 million registered users including 22+ 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 100+ 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 &amp; 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.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Why Join MMBL?
  </strong>
 </p>
 <p>
  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 endeavour.
 </p>
 <p>
 </p>
</div>


Assistant Manager Talent & Culture

<div>
 <p>
  <strong>
   Department:
  </strong>
  Information Technology
 </p>
 <p>
  <strong>
   Reports To:
  </strong>
  Executive Manager Core Banking Application Support
 </p>
 <p>
  <strong>
   Job Grade:
  </strong>
  AVP
 </p>
 <p>
  <strong>
   No of Position:
  </strong>
  01
 </p>
 <p>
  <strong>
   Location:
  </strong>
  Head Office
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What is AVP Islamic Bank Pool Management / FCM - MMBL?
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  The AVP &ndash; Islamic Bank Pool Management / FCM is responsible for providing operational and system support within the T24 Core Banking System, with a primary focus on Islamic Banking Pool Management and FCM-related activities.
 </p>
 <p>
  This role ensures smooth day-to-day branch support, accurate profit disbursement configurations, resolution of system issues, and coordination with internal teams and vendors to maintain operational efficiency and regulatory compliance.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What AVP Islamic Bank Pool Management / FCM Does - MMBL?
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Core Banking &amp; Branch Support
  </strong>
 </p>
 <ul>
  <li>
   Resolve corrections, stuck entry deletions, and tickets through the Helpdesk Portal for Islamic and conventional banking branches.
  </li>
  <li>
   Provide day-to-day operational and system support to branches and Islamic Banking teams.
  </li>
  <li>
   Manage and resolve Head Office-level system queries.
  </li>
 </ul>
 <p>
  <strong>
   Pool Management &amp; Profit Disbursement
  </strong>
 </p>
 <ul>
  <li>
   Handle Pool Management-related configurations within T24.
  </li>
  <li>
   Coordinate profit disbursement processes with relevant Head Office departments.
  </li>
  <li>
   Perform hands-on FCM-related tasks and resolve associated system issues.
  </li>
 </ul>
 <p>
  <strong>
   Islamic Banking Operations
  </strong>
 </p>
 <ul>
  <li>
   Manage Islamic Banking-related daily tasks and solution handling.
  </li>
  <li>
   Ensure close coordination with Islamic Banking teams and branch networks to maintain seamless operations.
  </li>
 </ul>
 <p>
  <strong>
   System Operations &amp; Technical Support
  </strong>
 </p>
 <ul>
  <li>
   Perform SQL queries and data extraction for audit purposes.
  </li>
  <li>
   Manage financial and non-financial bulk file uploads.
  </li>
  <li>
   Process invoices and manage CMR checklists.
  </li>
  <li>
   Coordinate with vendors for branch-level system support issues.
  </li>
  <li>
   Manage branch portfolio mergers.
  </li>
  <li>
   Perform Pre-COB steps (clearing folders, Pre-COB backups).
  </li>
  <li>
   Extract reports post-COB each morning.
  </li>
  <li>
   Provide basic administrative support in the absence of the T24 Admin team.
  </li>
  <li>
   Oversee BCON creation and deployments.
  </li>
  <li>
   Create and manage build enquiries within the system.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What are we looking for and what does it take to be AVP Islamic Bank Pool Management / FCM Does?
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Strong working knowledge of T24 Core Banking System.
  </li>
  <li>
   Experience in Islamic Banking Pool Management and FCM processes.
  </li>
  <li>
   Hands-on experience in ticket resolution, system troubleshooting, and branch support.
  </li>
  <li>
   Proficiency in SQL for reporting and audit data extraction.
  </li>
  <li>
   Understanding of COB processes and system administration basics.
  </li>
  <li>
   Strong coordination and vendor management skills.
  </li>
  <li>
   Ability to work under pressure and ensure timely resolution of issues.
  </li>
  <li>
   Strong communication and stakeholder management abilities.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About MMBL:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  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 &amp; 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.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Why Join MMBL?
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  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.
 </p>
</div>


AVP Islamic Bank Pool Management/FCM

U Microfinance Bank Limited

<div>
 <p>
  <strong>
   Reporting to: Head ERM
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Role Purpose:
  </strong>
 </p>
 <p>
  The Scorecard Specialist will design, govern, and optimize credit risk scorecards for a diverse portfolio covering Conventional, Islamic, Digital, and Nano-lending segments. The role is critical in transitioning the bank&rsquo;s risk architecture into a high-velocity, data-driven engine that ensures Regulatory compliance and risk-adjusted returns in the MSME, Micro, and Nano lending.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Key Responsibilities
   </u>
  </strong>
 </p>
 <p>
  <strong>
   1. Scorecard Development
  </strong>
 </p>
 <ul>
  <li>
   Design and maintain application, behavioral, and collection scorecards for microfinance products.
  </li>
  <li>
   Develop specialized models for Nano-lending, focusing on high-frequency, low-ticket transactions and short-term delinquency cycles.
  </li>
  <li>
   Lead the migration from manual/rule-based underwriting to automated, data-led credit decisioning.
  </li>
 </ul>
 <p>
  <strong>
   2. Digital &amp; Nano-Lending Enablement
  </strong>
 </p>
 <ul>
  <li>
   Incorporate Alternative Data (telco/utility data, device metadata, transactional footprints) to drive Instant Credit.
  </li>
  <li>
   Embed scorecards into digital journeys (Mobile Apps, APIs) to facilitate Straight-Through Processing (STP).
  </li>
  <li>
   Optimize decision engines to handle the scale and velocity required for nano-credit products.
  </li>
 </ul>
 <p>
  <strong>
   3. Governance &amp; Regulatory Compliance
  </strong>
 </p>
 <ul>
  <li>
   Ensure all models comply with SBP Prudential Regulation standards for risk-sharing products.
  </li>
  <li>
   Establish a Model Risk Management (MRM) framework, including back-testing, stress testing, and periodic recalibration.
  </li>
  <li>
   Prepare technical documentation for SBP inspections and external audits.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Key Skills &amp; Competencies
   </u>
  </strong>
 </p>
 <ul>
  <li>
   Proficiency in handling high-volume data.
  </li>
  <li>
   Ability to balance the conservative nature of traditional banking with the rapid experimentation of a Fintech environment.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Education &amp; Experience
   </u>
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s or Master&rsquo;s degree in Statistics, Data Science, Finance, or a related quantitative field.
  </li>
  <li>
   5-7+ years in Credit Risk Modeling/Analytics.
  </li>
  <li>
   Proven track record in developing and managing scorecards.
  </li>
  <li>
   Experience in a bank-to-digital transformation or a Neo-bank startup environment.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Tools &amp; Technical Exposure
   </u>
  </strong>
 </p>
 <ul>
  <li>
   Expert level in Python, R, or SQL.
  </li>
  <li>
   Hands-on experience with Decision Engines and Loan Origination Systems (LOS).
  </li>
  <li>
   Experience with Big Data environments and real-time data processing for nano-decisions.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Success Metrics
  </strong>
 </p>
 <ul>
  <li>
   Maintaining NPL ratios within appetite for both high-risk Nano and traditional portfolios.
  </li>
  <li>
   Significant reduction in Turnaround Time (TAT) via automated digital scoring.
  </li>
  <li>
   100% adherence to SBP mandates with zero major audit findings.
  </li>
 </ul>
 <p>
 </p>
</div>


Credit risk - Scorecard Specialist

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AVP Islamic Bank Pool Management/FCM

Credit risk - Scorecard Specialist