Unit Head - SME Finance

About the role

Raqami is hiring a Unit Head for its SME Finance unit within the SME & Business Banking department. The role supports the Head of SME Finance in building, scaling and managing the bank's SME financing business, covering strategic growth, Shariah-compliant financing solutions, anchor and obligor relationships, credit assessments, onboarding and disbursement, portfolio growth, risk management, stakeholder engagement, digital transformation and regulatory compliance.

Key responsibilities

• Support the implementation of the SME Finance strategy, business plans and growth initiatives.
• Drive acquisition and onboarding of anchor companies and obligors, and lead end-to-end onboarding from engagement through disbursement.
• Develop and enhance Shariah-compliant SME financing products aligned with the bank's digital business model.
• Conduct business due diligence (financial analysis, industry review, management evaluation) against the approved Risk Acceptance Criteria (RAC).
• Prepare credit proposals and financing recommendations and coordinate with Relationship Management, Credit Risk, Operations, Technology, Legal, Compliance, Finance and Shariah teams.
• Follow up on pending applications, support reviews, renewals and ongoing monitoring of approved clients, and monitor portfolio performance and risks.
• Ensure compliance with SBP regulations, Shariah governance and risk management standards, and explore digital automation and fintech partnerships.
• Prepare management reports, portfolio updates and dashboards for senior management.

Required profile

• Minimum 10 years of relevant banking experience, including at least 7 years in SME Banking, SME Finance, Credit Risk or Business Banking.
• Proven track record of SME portfolio growth, credit structuring, customer acquisition and management of Shariah-compliant financing programs.
• Master's degree in Business Administration, Finance, Banking, Economics or a related discipline.
• Professional qualifications in Islamic Banking, Credit Risk or Finance are an added advantage; experience in Islamic banking and digital financing is preferred.

Required skills

• SME banking, credit analysis and Shariah-compliant financing solutions.
• Drafting credit proposals aligned with RAC, Shariah principles and regulatory requirements.
• Portfolio monitoring, risk identification and corrective action recommendations.
• Strong understanding of SBP regulations, Shariah governance and internal risk management standards.