Director of Credit – Lead Digital Credit Transformation

About the role

Mobilink Bank is seeking a strategic, technology‑driven Director of Credit to head its end‑to‑end credit function. Reporting to the Chief Risk Officer, you will shape credit strategy, governance and portfolio performance across SME, Consumer and Islamic Banking lines while driving a fully digital, AI‑enabled credit ecosystem.

Key responsibilities

• Lead credit operations for SME, Consumer, Digital Micro‑finance and Islamic portfolios, ensuring sustainable growth and strong asset quality.
• Design and continuously improve AI‑enabled, digital‑first credit origination, underwriting, approval, disbursement and monitoring processes.
• Oversee the Credit Initiation Unit and Credit Verification Unit to deliver automated workflows with defined turnaround times.
• Develop and implement machine‑learning credit scoring models using bureau and alternative data sources.
• Establish and govern credit policy frameworks, underwriting standards, approval authorities and concentration limits.
• Partner with Product, Technology and Data Science teams to embed credit risk principles into digital lending products.
• Monitor portfolio performance through vintage analysis, roll‑rate monitoring, delinquency trends, IFRS 9 provisioning and loss forecasting.
• Ensure model governance through validation, back‑testing and regulatory compliance.
• Collaborate with Collections and Special Assets Management to strengthen recovery and remediation strategies.

Required profile

• Extensive senior‑level experience in credit risk management within banking or financial services.
• Proven track record of leading digital transformation and AI initiatives in credit functions.
• Deep understanding of SME, consumer and Islamic financing products and regulatory requirements.
• Strong analytical mindset with ability to translate data insights into strategic decisions.

Required skills

• Artificial Intelligence (AI) and Machine Learning for credit scoring.
• Credit risk modeling and analytics.
• Data‑driven decision engines and real‑time automation.
• IFRS 9 provisioning and credit loss forecasting.
• Experience with digital lending platforms and alternative data sources.