Manager Credit Policy Analysis.Credit Management MBP

The role involves assessing and approving retail lending applications in line with the Bank's Credit Policy, Risk Acceptance Criteria, Product Program Guide, regulatory standards, and delegated lending authority. The objective is to maintain a healthy balance between portfolio growth and credit quality while ensuring compliance with all relevant guidelines.

Key Responsibilities

- Prepare and manage Management Information Systems (MIS), portfolio monitoring, and management reporting to support decision-making processes.
- Support the implementation and maintenance of Credit Policy, including configuration and coding for the digital credit journey.
- Oversee Credit Bureau reporting and reconciliation activities to ensure accuracy and compliance.
- Prepare and coordinate regulatory reporting requirements as mandated by the State Bank of Pakistan (SBP).
- Act as a primary liaison among Business, Technology, Operations, Risk, Analytics teams, and external stakeholders to facilitate journey implementation, policy updates, and process improvements.
- Support User Acceptance Testing (UAT), process automation initiatives, change requests, and continuous optimization of digital credit journeys.
- Maintain comprehensive process documentation, governance standards, internal controls, and ensure audit readiness.
- Provide operational support for new product launches, ensuring all activities adhere to policy and regulatory requirements.

Required Qualifications

- Bachelor’s degree is mandatory; a Master’s degree is preferred.
- Strong analytical thinking and attention to detail are essential.
- Minimum of 4 to 6 years’ experience in Retail Credit, including underwriting, analytics, and policy development.
- Demonstrated risk awareness and sound decision-making capabilities.
- Experience with Credit Cards and Personal Loans is required.
- Integrity and effective communication skills are critical.
- Proven ability to manage time efficiently and meet deadlines.

Preferred Qualifications and Skills

- Experience with automated decision engines and digital banking environments is highly desirable.
- Knowledge of Credit Bureau assessment and interpretation is important.
- Familiarity with Bureau and SBP reporting technical requirements.
- Strong skills in analytics, financial analysis, and credit risk assessment.
- Awareness of fraud prevention, Loan Origination Systems, and decision engines will be advantageous.

This position offers the opportunity to work at the intersection of credit risk management and digital transformation, contributing to the bank’s growth while ensuring regulatory compliance and operational excellence.