Mobilink Microfinance Bank Ltd. is hiring Assistant Manager – Credit Initiation Unit

Grade: OG-I
Job Type: Permanent
Position: 1

The Assistant Manager – Credit Initiation Unit will be responsible for evaluating and approving/recommending conventional and Islamic credit/financing proposals within delegated authority. The role focuses on sound credit assessment, risk mitigation, regulatory compliance, portfolio quality, collateral adequacy, and efficient credit operations.

Key Responsibilities

• Assess secured and unsecured credit and financing proposals for creditworthiness, repayment capacity, collateral adequacy, credit history, and compliance.
• Approve or recommend conventional and Islamic financing facilities within delegated authority.
• Ensure compliance with SBP Prudential Regulations, internal credit policies, AML/CFT/CPF requirements, and applicable regulatory guidelines.
• Review Islamic financing proposals to ensure compliance with approved Shariah-compliant products and governance requirements.
• Define appropriate covenants, conditions, collateral requirements, and risk-mitigation measures.
• Monitor portfolio irregularities, exceptions, excesses, and early warning indicators and recommend corrective actions.
• Maintain credit quality, accuracy, and agreed turnaround times (TAT).
• Collaborate with Business, Product, Operations, Risk, Compliance, and Shariah teams.
• Support regulatory inspections, audits, and timely closure of compliance observations.
• Participate in UAT, system enhancements, digital credit initiatives, and process automation.
• Identify opportunities for workflow automation, system integration, digital documentation, and paperless credit processing.
• Support electronic record management, digital verification, and centralized document repositories.
• Coordinate business requirements, system implementation, UAT, and post-implementation reviews for credit technology initiatives.

Eligibility Criteria

Education:
Bachelor’s degree from a reputable institution in Business Administration, Banking & Finance, Agriculture, Economics, Accounts, or a related field.

Experience:
Minimum 2–4 years of experience in credit assessment, credit approval, risk management, or banking operations. Exposure to both conventional and Islamic financing is preferred.

Required Skills

• Strong knowledge of SBP Prudential Regulations and credit policies.
• Understanding of AML/CFT requirements and collateral management.
• Strong financial analysis and risk assessment skills.
• Knowledge of Islamic finance products and Shariah governance requirements.
• Familiarity with financing documentation and credit processing systems.
• Understanding of workflow automation, UAT, and digital transformation.
• Proficiency in MS Office.
• Strong analytical, decision-making, communication, stakeholder-management, and problem-solving skills.
• Ability to manage multiple priorities within agreed turnaround times.

About Mobilink Microfinance Bank Limited

Mobilink Microfinance Bank Limited (MMBL) provides banking services through a combination of traditional microfinance and digital banking solutions, supporting financial inclusion across Pakistan. The bank offers services including savings, MSME financing, housing loans, remittances, mobile wallets, insurance, utility bill collection, and digital payment solutions.

Why Join MMBL?

Join a dynamic banking environment focused on innovation, digital transformation, teamwork, customer-centricity, and financial inclusion, while contributing to modern credit and financing solutions.

🔎 Source: Official Careers Portal
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