Manager – Credit Initiation Unit-Al Baraka Bank-Karachi

Full Time
  • Full Time
  • Karachi

Website Al Baraka Bank Pakistan Ltd

Al Baraka Bank (Pakistan) Limited (ABPL) is the result of a merger between Al Baraka Islamic Bank Pakistan (AIBP), the branch operations of Al Baraka Islamic Bank (AIB) Bahrain, and Emirates Global Islamic Bank (Pakistan). The merged entity commenced operations on October 30th, 2010.

Are you a seasoned professional with a knack for credit risk management and regulatory compliance? Al Baraka Bank (Pakistan) Limited invites you to seize an exciting opportunity to join our team as a Manager in the Credit Initiation Unit.

Position Overview: As a Manager in the Credit Initiation Unit, you will be at the forefront of ensuring the quality and compliance of credit initiation processes. Reporting to higher management, you will play a pivotal role in assessing credit applications, ensuring adherence to consumer prudential regulations, and safeguarding the bank’s interests.

Qualifications and Experience: To qualify for this role, candidates must have:

  • A Bachelor’s or Master’s degree from an HEC-recognized institute.
  • A minimum of 5 years of experience in a relevant field, preferably in credit risk management.

Main Responsibilities: As a Manager in the Credit Initiation Unit, your main responsibilities will include:

  • Conducting independent credit risk reviews of all credit applications for consumer finance products, including autos, housing, and personal finance.
  • Ensuring compliance with consumer product programs and credit policies, stipulating approval covenants/conditions to safeguard the bank’s interests.
  • Obtaining approvals from relevant credit approving authorities and managing deviations/exceptions as necessary.
  • Updating consumer credit policy and product programs in collaboration with the Head of Consumer Credit.
  • Demonstrating knowledge of collection and recovery processes, as well as documentation/security perfection roles in consumer goods.

Core Competencies: Successful candidates should possess the following core competencies:

  • Excellent communication and interpersonal skills.
  • Ability to work under pressure, meet tight deadlines, and manage priorities effectively.
  • Proficiency in MS Word, Excel, and PowerPoint (experience with Power BI will be preferred).

About Al Baraka Bank (Pakistan) Limited: Al Baraka Bank (Pakistan) Limited is a leading Islamic bank committed to providing innovative financial solutions while adhering to Islamic principles. With a focus on excellence and integrity, we offer a dynamic work environment where talented individuals can thrive and grow.

Note: Only job postings authorized by Al Baraka Bank (Pakistan) Limited on their official social media platforms should be considered. Disregard any postings from unauthorized sources.

Apply now and embark on a rewarding career journey with Al Baraka Bank (Pakistan) Limited as a Manager in the Credit Initiation Unit!

To apply for this job please visit

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