Are you a seasoned professional with a wealth of experience in consumer credit and risk management? Al Baraka Bank is seeking a qualified individual to join our team as a Regional Head in the Credit Initiation Unit (CIU) for Consumer Credit in Islamabad, Pakistan. If you possess a Master’s degree or Graduation, with 8 to 10 years of relevant experience,

About Al Baraka Bank: Al Baraka Bank is a leading Islamic banking institution committed to providing ethical financial solutions and excellent customer service. With a focus on integrity, innovation, and social responsibility, we strive to empower individuals and businesses to achieve their financial goals in accordance with Islamic principles. Join our team and become a part of our mission to drive growth and prosperity in the communities we serve.

Position: Regional Head, Credit Initiation Unit – Consumer Credit
Qualifications:

• Academic Qualification: Master’s degree or Graduation at minimum, preferably with an academic background in Banking, Accounting & Finance.
• Required Experience: At least 8 to 10 years of experience in a relevant field.

Main Responsibilities:

• Oversee the regional CIU team, preferably with 2-3 years of managerial experience.
• Ensure compliance with Consumer Prudential Regulations and Credit Policies.
• Independently review credit applications for consumer finance products (e.g., Auto, Housing, Personal Finance).
• Stipulate approval conditions to safeguard the bank’s interests and ensure compliance.
• Obtain approvals from relevant credit authorities and manage deviations or exceptions as needed.
• Update Consumer Credit Policy and Product Programs in collaboration with the Head of Consumer Credit.
• Knowledge of financing documentation, collection, recovery processes, and security perfection in consumer credit.

Core Competencies:

• Proficiency in MS Word, Excel, and PowerPoint.
• Understanding of Islamic Banking principles preferred.
• Excellent written, interpersonal, and communication skills.

Location: Islamabad

Join Al Baraka Bank and become a key player in driving consumer credit initiatives while adhering to the highest standards of ethical banking practices. Apply now and be a part of our mission to create a positive impact in the banking industry.

Al Baraka Bank – Committed to Ethical Banking Excellence.