• To prepare business strategies for asset products based on research and analysis of growth trends
• Planning and Development of new Products, their testing, marketing, training and launching
• To identify target segments, selling strategies, and market positioning
• To liaison with microcredit field team to get feedback from the market to develop/improve product specifications and monitor post launch progress of lending product
• To provide support, direction, credit Information, and loan policies and procedures to ensure the overall quality of the Organization’s lending portfolio
• To enable business to maintain portfolio quality through data analysis and both internal and external feedback
• Providing information requested by regulatory and rating agencies
• Preparation and interpretation of all credit risk reports (unit’s monthly and quarterly reports, credit exposures, performing and default loans etc.
• Define credit approval framework for SME lending and recommend credit approval limits in line with Organization’s policy
• Perform direct supervisory duties of department staff, and coordinates with other departments for smooth functioning of organizational operations
• Facilitate the implementation of risk management and control practices within the organization
• Lead market studies, products/services design, tests and roll-out, while providing the relevant capacity(provision of policies, procedures, guidelines, training, coaching)
• Preparing proposals for grants and coordination with donors
• Defining the targeted products terms, conditions, procedures and required systems
• Develop & improve product manuals / product programs/SOPs
• Review Management Information System (MIS) and ensure timely updating of all data for reports extraction and analysis
pMOJAZ is striving to improve the socio-economic situation of the marginalized communities at grassroots. It is operational in central & Southern Punjab with plans to expand in the neighboring areas. The MOJAZ believes on right based inclusive development aiming towards community empowerment through: social mobilization, gender equity, access to financial services, access to technological advancement supporting livelihood, and business development services. The organization has created a difference in the life of thousands of households of through the provision of various services, micro-finance, food support, technology diffusion, business development services, capacity building, and other need based interventions./p