Mobilink Microfinance Bank Ltd. is hiring Head of Policy & Digital Credit

Grade: SVP
Job Type: Permanent
Positions: 1
Career Level: Senior Management

🎯 Job Overview

The Head of Policy & Digital Credit is a senior leadership position within MMBL's Credit function. The role is responsible for credit policies, product manuals, credit circulars, governance frameworks and credit analytics across SME, consumer, digital and merchant lending.

The position also works closely with Technology, Product, Risk and Business teams to digitize credit processes, embed credit decisioning within digital platforms and support MMBL's transition toward Digital Retail Banking (DRB).

📋 Key Responsibilities

• Own and maintain credit policies, product manuals, credit circulars and governance frameworks.
• Review and update policies in line with SBP regulations, risk appetite and business requirements.
• Manage policy amendments, new product circulars, documentation and version control.
• Coordinate with Internal Audit, Compliance and SBP inspections on credit policy and governance matters.
• Lead credit analytics including NPL trends, vintage analysis, scorecard/model performance and portfolio quality indicators.
• Partner with Technology and Product teams to design and digitize end-to-end lending journeys.
• Convert manual credit processes into digital, LOS-integrated workflows.
• Define credit decision rules, scoring thresholds and delegated approval matrices for digital platforms.
• Bridge Credit Risk with Product and Business teams during new product development.
• Monitor policy exceptions, deviations and waivers and ensure appropriate governance.
• Ensure credit policies and governance documentation are ready for Digital Retail Banking requirements.
• Provide policy guidance and training to field, branch and credit teams.

🎓 Qualification

• Bachelor's degree in Business, Finance, Economics or a related field.
• Master's degree is preferred.

💼 Experience Required

• 8–12 years of progressive experience in credit policy, credit risk or credit analytics within a bank.
• At least 3–4 years in a policy leadership, product or governance capacity.
• Strong knowledge of SBP prudential regulations, particularly microfinance, consumer, SME lending and digital financial services.
• Experience working with Technology and Product teams on digital lending and system-embedded credit decisioning.
• Experience with LOS or equivalent lending platforms.
• Digital transformation or Digital Retail Banking experience is strongly preferred.

🏢 About MMBL

Mobilink Microfinance Bank Ltd. (MMBL) provides banking services across Pakistan through a combination of traditional microfinance and mobile/digital banking technologies. Its services include savings, MSME loans, housing loans, remittances, mobile wallets, insurance, G2P and B2B/B2P payments.

🔎 Source: Official Careers Portal
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