Job Description

Step into a strategic leadership role where numbers tell stories and policies shape portfolios. As Head of Consumer Credit Policy & Analytics, you will steer the bank’s retail credit risk framework, balancing growth with prudence while ensuring compliance in a dynamic financial landscape.

Eligibility Criteria

🎓 Qualifications

Minimum Bachelor’s degree; Master’s preferred in Finance, Data Analytics, Economics, Business, or related field (HEC-recognized)
Professional certifications will be considered an advantage
Background in Islamic Finance is a strong plus

🧠 Core Skills

Deep understanding of consumer financing products and risk management frameworks
Strong command over analytical tools such as Excel, SQL, SAS, or Python
Exceptional analytical thinking with problem-solving precision
Effective communication and stakeholder management capabilities

💼 Experience

Minimum 10 years of relevant experience
At least 5 years in a managerial role within consumer credit risk or policy (banking/financial sector)

Key Responsibilities

Lead the development, review, and governance of credit policies across personal finance, credit cards, auto, and home financing portfolios
Drive portfolio performance analysis and implement data-driven policy enhancements
Ensure full compliance with regulatory requirements, including SBP guidelines, and internal risk frameworks
Design and implement credit strategies, scorecards, and risk models through cross-functional collaboration
Provide strategic direction to optimize risk-return balance and portfolio profitability

Department

Consumer Risk – Risk Management Group

Location

Head Office – Karachi

Application Deadline

📅 May 1, 2026

🚀 Apply Now

If you can turn data into direction and risk into strategy, this seat at the table has your name on it.