Are you a seasoned professional with a strong background in consumer banking and a passion for data analysis? Are you ready to take on a leadership role where you can make a significant impact on business decisions? If so, we invite you to apply for the position of Head Consumer Analytics (Consumer Credit) at Al Baraka Bank, located in Karachi.

About Al Baraka Bank:

Al Baraka Bank is a leading Islamic bank dedicated to providing innovative financial solutions to our customers. With a commitment to excellence and a focus on ethical banking practices, we strive to be the bank of choice for individuals and businesses seeking Shariah-compliant banking services.

Position: Head Consumer Analytics (Consumer Credit)

Qualifications:

To be considered for this role, candidates should meet the following qualifications:

• Minimum Graduation, preferably a Master’s degree in a relevant field from an HEC-recognized institution.

Required Experience:

We are seeking candidates with 8 to 10 years of experience in consumer banking, with at least 3 years in a Supervisory/Managerial role.

Main Responsibilities:

As the Head Consumer Analytics (Consumer Credit), your responsibilities will include:

• Preparation of a comprehensive consumer MIS package consisting of daily, weekly, monthly, quarterly, and semi-annual MIS deliverables.
• Monitoring and analyzing the periodic performance of different areas like Sales, Credit Initiation, and Collections.
• Providing portfolio and segment performance insight by cross-tab analysis (Auto/Housing/Personal Finance).
• Developing vintage MIS and benchmarks for each segment in consumer banking.
• Supporting Risk Manager in decision-making by critical data analysis backed by facts & figures.
• Handling NPL and provisioning-related matters.
• Understanding of Obligor Risk Rating/Behavioral Risk Rating Module and Consumer KRIS.
• Understanding of Consumer Finance Products (Auto, Housing & Personal Finance).
• Understanding of data reported in eCIB.
• Well-versed with Consumer Prudential Regulations/Consumer Credit Policies/Product Programs.
• Knowledge/Understanding of Consumer LOS.
• Familiarity with the collection function and relevant MIS used in collections.

Core Competencies:

Candidates should possess the following core competencies:

• Full command/advanced level of expertise in MS Office including Excel/MS Access/PowerPoint/Word, etc.
• Preference for knowledge of Power BI, SQL, and Python.
• Understanding of Consumer Operations/System Functionalities.

How to Apply:

If you have the qualifications and experience required for this role and are ready to take on a challenging and rewarding position, we encourage you to apply through our

Location:

This position is based in Karachi, offering a dynamic work environment in the heart of the city.

Join us at Al Baraka Bank and become part of a team that is committed to excellence and innovation in Islamic banking. We look forward to receiving your application and welcoming you to our team!

Al Baraka Bank, Karachi