Assistant Manager - Policy Consumer Unsecured Finance (AVP)

This role involves formulating, reviewing, and maintaining policies and product programs for unsecured Consumer & Agri. finance. Duties include setting target markets, risk acceptance criteria, exposure limits, and collateral norms. The Assistant Manager will also review and analyze policies, recommend changes, assess portfolio risk, and ensure effective credit policies and processes. The incumbent will also perform any other assignment assigned by the supervisor.

Applicants for Assistant Manager - Policy Consumer Unsecured Finance must possess the following qualifications and experience:

• Education: Minimum Graduation or equivalent from a local or international university/college recognized by HEC. Master's degree and/or relevant certification(s) preferred.
• Experience: Minimum 06 years of banking experience, including at least 04 years in Unsecured Consumer Policy, Credit Risk, or Product Program based lending across Consumer, Agri & SBP schemes. Experience in Housing Finance, Auto Finance, or other Unsecured lending products is an added advantage. Experience in a similar role within commercial banks is preferred.
• Skills: Sound knowledge of Unsecured Consumer and Retail policies, Agri & SME financing and SBP regulations, strong understanding of regulatory requirements and consumer & Agri. Lending market dynamics, goal oriented and results driven, with the ability to prioritize tasks and meet deadlines, proficient in MS Office, detail oriented, with sound business acumen.