Date : 2008-06-18

Title : Microfinance Banking Vacancies - KBL

Price :

Description :

Microfinance Banking Vacancies - KBL

National Credit & Collection Manager

The Job: This is a senior management position reporting into Head Retail and responsible for managing bank's credit & collection functions. Core responsibilities include devising and implementing credit and collections policies, periodically reviewing effectiveness of these policies, formulating strategies in order to facilitate retail business particularly sales and distribution function, manage portfolio health and associated function, manage portfolio health and associated risks and to meet collections goals. Drive credit and collections technology initiatives for task facilitation and quality and timely decision making. Manage delinquency performance and recovery targets in line with strategic business objectives and formulation of straddling techniques to catalyze status of non performing loans to current and provide lead role to to credit and collections team. Identify and devise self and team's development need initiatives. Besides, the incumbent would participate in decisions relating to formulation and implementation of Bank's business and operational strategies and plans aimed at steering overall direction of the institution. Ensure adherence to prudential regulations.

The Candidate: The incumbent should have around 7-10 years of relevant experience within financial institution and technology-driven environment. Have exposure to strategy development within a retail banking environment with strong orientation to credit and operational areas and a background in the credit & collection disciplines. Should demonstrate strong interpersonal, team building and communication skills with commitment to deliver results and meet deadlines. Should have a high degree of focus, energy and intensity with a passion for continuous improvement and excellence.

The incumbent should have a post-graduate degree in Business Administration - Banking or Finance from an HEC recognized university. Be below 40 years of age.

Manager Policy Control

The Job: The position is responsible for monitoring risk exposure, portfolio composition/concentration and the adequacy of provisioning levels in light of economic conditions, international practices and acceptable benchmarks. Ensure legal and regulatory compliance of the lending policy. Establish credit procedures in compliance with credit & audit policies and with all procedural documentation. Periodically conduct credit process, business and product risk reviews. Implement dual controls in the credit process to prevent error or manipulation in financial records, client static data and other records. Develop judgmental scoring methods and behavioral scoring system. Implement proactive and reactive internal and external fraud prevention and identification procedures. Develop cost effective credit processing, administration and collection methods that protect Bank's assets. Identify methods of maintaining good customer relationships and service standards.

The Candidate:

The incumbent should have at least 5-8 years relevant experience at policy and portfolio management level preferably in a multinational bank. Should be well versed with consumer lending principles, risk management & internal control mechanisms, provisioning principles and loan accounting.

The incumbent should have a post-graduate degree in Business Administration - Banking or Finance from an HEC recognized university. Be below 35 years of age.

Manager Credit

The Job: The position is responsible for policy development, review, implementation, communication, and credit training. Analyze market needs, develop and update products in line with corporate standards to meet target market needs. Responsible for portfolio reporting. Conduct product lifecycle-based planning to determine performance measures and identify credit projections and develop the use of management information system and related financial or statistical models.

The Candidate: The incumbent should have at least 5-8 years credit portfolio or product management experience preferably in a multinational bank. Should be well versed with consumer lending principles, risk management & internal control mechanisms, provisioning principles and loan accounting.

The incumbent should have a post-graduate degree in Business Administration - Banking or Finance from an HEC recognized university. Be below 35 years of age.

Manager Collection

The Job: The position is responsible for developing and implementing collection policy and processes and provisioning / write-off guidelines within the regulatory framework. Develop and implement criteria to assess collection performance. Ensure collection strategy and planning. Manage collection targets. Suggest policy recommendations regarding credit & collections. Keep track  of periodic portfolio/efficiency reporting. Take care of fraud/non-compliance interventions and reporting. Ensure systems planning / parameterization controls.

The Candidate: The incumbent should have at least 5 years credit portfolio management and at least 3 years collection operations management experience preferably in a multinational bank. Credit administration or loan restructuring exposure will be a plus. Should be well versed with consumer lending principles, strong accounting acumen and have knowledge of provisioning and loan accounting principles.

The incumbent should have a post-graduate degree in Business Administration - Banking or Finance from an HEC recognized university. Be below 35 years of age.

Manager Fraud & Forgery

The Job: The position is responsible for the management of fraud control & authorization function. Develop fraud control strategies & procedures for timely implementation to protect Bank's portfolios. Facilitate the development of controls which aid detection and prevention of fraud & forgery. Be familiar with the inherent risks and exposures and be alert for any indicators of improper activities, misappropriation, or dishonest activity. Work with technology to develop & upgrade system to manage Bank's risks. Liaison with industry & law enforcement representatives. Prepare comprehensive analysis detailing fraud cases & trends and deliver updates for management for all fraud issues.

The Candidate: The incumbent should have at least 5-8 years relevant experience preferably in a multinational bank. Should have thorough understanding of relevant local regulatory & compliance requirements. Be aware of SBP Prudential Regulations & have expert knowledge of best practices.

The incumbent should have a post-graduate degree in Business Administration - Banking or Finance from an HEC recognized university. Be below 35 years of age.

All the above positions are based at our Corporate Office in Islamabad.

The bank offers a professional and challenging environment, significant training opportunities and a rewarding career in retail micro finance backed by competitive remuneration and benefits to individuals with quality academic background from recognized institutes.

If your objectives match our criteria, please apply online by logging on to our website http://www.khushhalibank.com.pk., latest by 30th June, 2008.

Note: Resumes will not be accepted through normal or in person. KBL reserves the right to accept or reject any or all applications. Only short-listed candidates will be contacted for further evaluation. KBL operates under a defined gender mission and encourages women to join its cadres.