Khushhali Microfinance Bank Limited Jobs Senior Manager CAD

Khushhali Microfinance Bank Limited Jobs Senior Manager CAD:

Organization : Khushhali Microfinance Bank Limited

Khushhali Microfinance Bank Limited is looking for Senior Manager CAD Apply

Please note that it is an on-site, full-time position based at our Corporate Office – Gulberg Greens, Islamabad.

Who are we looking for?

Preferably Master of Business Administration or Master equivalent degree in Finance, Commerce or Economics from an HEC recognized/overseas institution. Any professional certification would be an added advantage.
At least 7 years’ experience in credit administration, credit risk management, monitoring and control in bank/DFIs.

Key Responsibilities:

Branch Operations

Lead a team of Area Manager Operations ensuring smooth functioning of branch CAD operations.
Deploy effective branch CAD structure, duly aligned with bank lending strategy.
Ensure smooth implementation of changes in credit policy and procedures through AMOs and CAOs.
Provide guidance & support to AMOs and CAOs with regards to CAD related procedures, regulations, systems etc.
Ensure coordination between AMOs / branch CAOs and relevant desks of Corporate Office for the resolution of issues, procedural clarifications and system & technology matters.

Supervision of Area Manager Operations

Ensure Area Manager Operations impart training to branch CAOs on weak areas, new products, new system developments and any changes in processes and/or system as applicable.
Ensure that Area Manager Ops is reconciling all type of pledged collaterals especially gold with relevant registers and system reports as per frequencies defined in the SOPs.

Compliance

Ensure that fraud risks & operational gaps in processing of credit cases are identified, reported and minimized with the help of control functions.
Offsite review of credit cases (through scan copies) as per defined criteria to ensure document completion prior to loan disbursement.
Guide & supervise AMOs and branch CAOs to address & close audit observations within stipulated timeframe.
Review and processing of goldsmith onboarding requests received from branches.
Review of goldsmith agreements received from branches in line with laid down procedures & maintain global database of goldsmiths in system T24.
People Management
Ensure that CAD staff is equipped with required knowledge and skills which minimize operational challenges and/or issues.
Assist AMOs / OMs to make effective score cards /indicators of CAOs to gauge their monthly performance.
Ensure effective backup planning of key resources through Area Manager Operations to ensure business continuity in a seamless manner.

Audits