Regional Credit Manager – Mobilink Microfinance Bank Ltd.

Grade: AVP
Department: Credit Management
Positions: 1

About the Role

As a Regional Credit Manager at Mobilink Microfinance Bank Ltd. (MMBL), you will oversee credit assessment and risk management across multiple branches. You will ensure timely approvals, maintain portfolio quality, enforce compliance with company policies, and collaborate with sales and finance teams to support business growth while minimizing credit risk.

Key Responsibilities

1. Pre-Approval Due Diligence & Verification

• Supervise Verification Team to ensure loan files are complete, accurate, and compliant with policies.

• Verify borrower information and creditworthiness via physical or telephonic checks.

• Assess borrower understanding of business, loan purpose, and obligations.

• Ensure adherence to client protection principles and ethical standards.

• Monitor compliance with credit policies, guidelines, and approval exceptions.

2. Credit Reviews & Monitoring

• Conduct post-disbursement credit file reviews and verifications.

• Consolidate findings and address audit observations.

• Conduct branch sessions to minimize repeated credit errors.

• Maintain MIS on approvals, rejections, and Verification Officer performance.

3. Portfolio Quality & Default Management

• Monitor NPL trends and work with branches and Head Office to address defaults or fraud.

4. Goldsmith Onboarding, Reassessment & Auction

• Conduct thorough background checks of goldsmiths.

• Ensure quarterly verification and periodic reassessment of gold collateral.

• Oversee gold auction processes following bank guidelines.

5. Leadership, Team Development & Training

• Supervise Verification teams, manage vacancies, and succession planning.

• Train branch sales and verification staff on credit assessment.

• Conduct performance appraisals, branch visits, and staff rotations.

6. Other Tasks

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

Skills & Qualifications

Essential Skills:

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

• Financial sector experience, particularly in microfinance banking, is a plus.

• Independent, proactive, and able to work in a fast-paced environment.

• Excellent credit analysis, portfolio monitoring, and financial skills.

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

• Customer-focused with excellent attitude and professionalism.

• Familiarity with banking software and digital tools.

Education:

• Graduate in Commerce, Business Administration, Math/Statistics.

• Master’s degree preferred.

Experience:

• 3–5 years in credit-related roles.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including 20+ million monthly active customers across Pakistan. With a hybrid model combining traditional microfinance with mobile/digital banking, MMBL operates 114 branches, 270,000 branchless agents, and a USSD-based digital platform offering savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and payments.

MMBL is committed to innovation, collaboration, and customer-centric financial inclusion, providing a workplace where employees can thrive.

Why Join MMBL?

This is a chance to make a real impact, driving transformative change and empowering millions to succeed in the digital age. If you are passionate, talented, and motivated, MMBL is the place to grow and contribute meaningfully.