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- This individual will be responsible for developing, managing, and scaling Islamic banking products and services tailored to the unique needs of customers, including individuals, SMEs, and the digital Islamic banking sector.
- Develop new products and product manuals, following management guidance, and oversee the entire process from idea generation to product launch.
- Price monitoring of competitors and update to Head IMD for timely updates bank advances product rate changes and service charge changes.
- Market intelligence of competitor s sharia compliant product offerings i.e. deposit/ financing on monthly basis with update to Head IMD.
- Monthly product performance review and input to Head IMD with analysis for necessary actions.
- Day to day coordination with Area office to ensure area level product controls.
- Establish strategic partnerships with corporates, technology providers, and development sector organizations to create holistic Islamic financial solutions.
- Portfolio quality monitoring and historical data management to assist Head IMD in analysis and management reporting.
- Product document review on quarterly basis in support of SCD and assist in documentation upgradation process.
- Design and deliver training programs to enhance the understanding of Islamic banking principles and products among employees.
- Coordination with Shariah compliance dept. to ensure compliance of business and product specific audit objections.
- Quarterly review of vendor arrangement with area procurement officers and quality assurance.
- Any other function assigned from Head IMD.
- Candidates with a degree in business administration, economics, law, or finance, combined with a certification/diploma in Islamic Banking or Shariah, certifications such as CSAA (Certified Shariah Adviser and Auditor) by AAOIFI or equivalent Shariah-compliance-related credentials are highly desirable.
- Minimum 3 5 years of experience in Islamic Banking, preferably in Shariah compliance, product development and market research & development, Relevant experience in the Islamic banking sector will be considered an added advantage
- Essential Skills
- In-depth understanding of Islamic banking operations, Shariah standards (e.g., AAOIFI, IFSB), and regulatory requirements.
- Strong analytical, research, and problem-solving skills.
- Effective communication and report-writing abilities to articulate Shariah product issues and solutions clearly.
- Capacity to liaise with the Shariah, management, and regulators regarding product development.
Job Details
Mobilink Bank
Mobilink Bank is providing banking services to over 42 million registered users including 16+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches and 200,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
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