Regional Credit Manager – Mobilink Microfinance Bank Ltd.

Department: Credit Management
Grade: VP

About the Role:
As a Regional Credit Manager, you will oversee credit assessment and risk management across multiple locations, ensuring timely approvals, portfolio quality, and adherence to company policies. You will collaborate with sales and finance teams to drive growth while minimizing credit risk.

Key Responsibilities:

1. Pre-Approval & Verification

• Ensure borrower due diligence and document scrutiny by the Verification Team.

• Verify borrower information, creditworthiness, and understanding of loan terms.

• Uphold client protection principles and ethical standards.

• Ensure compliance with Credit Policy, procedures, and exception approvals.

2. Credit Reviews & Monitoring

• Conduct post-disbursement credit reviews and verifications.

• Review branch audit reports and ensure timely resolution of credit-related observations.

• Maintain branch-wise MIS for loan cases, approvals, and rejections.

• Consolidate rejection reasons for reporting to Head Office.

3. Portfolio Quality & Default Management

• Monitor NPL trends and collaborate with branches and Head Office to identify causes of defaults, including potential fraud.

4. Goldsmith Onboarding & Collateral Management

• Oversee background checks, quarterly verifications, and performance monitoring of goldsmiths.

• Ensure periodic reassessment of gold collateral and compliance with auction procedures.

5. Leadership, Team Development & Training

• Manage Verification teams, succession planning, and staff rotations.

• Conduct training for branch staff to strengthen credit assessment capabilities.

• Set annual goals, appraisals, and provide feedback through branch visits.

6. Other Tasks

• Execute additional responsibilities as assigned by the Line Manager or Head of Department.

Requirements:

Skills & Competencies:

• Strong knowledge of microfinance/consumer lending principles and prudential regulations.

• Credit analysis, portfolio monitoring, and financial assessment skills.

• Effective communication, team-building, and interpersonal abilities.

• Customer service orientation with excellent attitude and professionalism.

• Familiarity with banking software/systems.

Education:

• Graduate in Commerce, Business Administration, or Math/Statistics (Master’s preferred).

Experience:

• 3–5 years in credit-related roles, preferably in microfinance or financial sector.

About MMBL:
Mobilink Microfinance Bank Ltd. serves over 48 million registered users across Pakistan. With 114 branches, 270,000 branchless banking agents, and a strong digital presence, MMBL drives financial inclusion via MSME loans, small housing loans, remittances, mobile wallets, insurance, and more. We value innovation, teamwork, and a customer-centric approach.

Why Join MMBL?
This role offers the chance to make a tangible impact, drive transformative change, and empower millions in the digital age.