FINCA Microfinance Bank Ltd Jobs 2021-Apply Online-FINCA Career-Apply At:

FINCA Microfinance Bank Ltd Jobs 2021-Apply Online-FINCA Career-Apply At:

>> Sr. Manager BD & Supply Chain Lending
>> Credit Risk Officer
No. of Vacancies
Last Date to Apply

Sr. Manager BD & Supply Chain Lending

JOB TITLE Sr. Manager BD & Supply Chain Lending

Total Experience Minimum 5-10 Years in Corporate Sales

Gender Both

Employee Type Permanent

Location City Lahore

Location Farea Business Development

Qualification Graduation / Master / MBA


Competencies & Training:

• Excellent Interpersonal Skills & stakeholder management skills
• Excellent Presentation Skills
• High level of energy, flexibility, and self-motivation
• Technical Training
• Excellent Microsoft Excel & PowerPoint Skills


• Adequate knowledge of Customer Relationship Management
• Experience in supply chain lending business
• Extensive knowledge of Business Ethics-B2B
• Comprehensive Industry knowledge
• Understanding of Products Solution
• Business Acumen

Job Duties

Job Purpose:
This position develops and maintains the corporate portfolio of digital Sales and Services for customers at FINCA; Contribute towards revenue generation through provision of effective digital banking solutions to clients; Fosters healthy working relationships with existing as well as potential customers to support revenue generation; Liaises with concerned departments to provide effective after sales services to the clients; Ensures customer retention through provision of effective services; Identifies new business development opportunities through trend analysis and forecasts future sales accordingly. These responsibilities are carried out WITH the objective to maximize revenue generation for the organization, enhance B2B portfolio for the organization and ensure customer retention WITHIN the limits of organizations policies and SOPs, departmental objectives, clients’ product/service requirements, defined quality standards and directions/guidelines from supervisor. Special focus and KPI would on the development, management and business growth of the supply chain lending segment.

Duties and Responsibilities:

Portfolio Management:

• To penetrate various corporate segments for new account acquisition. Will also be responsible for onboarding new supply chain distribution partners.
• Maintain own sales pipeline and its progress
• Responsible for supply chain lending business P&L.
• Will be responsible for management and growth of supply chain lending business.
• Responsible for account service and relations
• Responsible for the Identification of new business areas & Initiate different Strategic Initiatives for sales growth
• Travel within the zone as required to achieve sales targets (Corporate)
• Ensure Minimum churn on new accounts
• Identify business growth opportunities across the zone, build direct/ channel/ new client acquisition strategies and tap growth opportunities to achieve zonal targets
• Drive relationships with key clients, faster TAT and cross-selling initiatives in order to increase the client base of the Region
• Scan the zonal market and its competitive offerings on a periodic basis

Revenue Generation:
• Engage with channel partners and develop a touch point management system for faster customer connectivity
• Ensures effective maintenance of current B2B portfolio for continuous revenue generation; Monitors achievement of revenue targets on regular basis
• Contributes towards improvement of revenue stream through on-boarding new clients on Float Management
• Ensures maximum revenue generation from card and mobile wallet through effective B2B portfolio management
• Supports team in smooth execution of operational tasks and assists clients during on-boarding process; Ensures all expectations of clients are thoroughly met; Educates clients on newly launched products and shares relevant details/product specifications
• Provides product delivery and benefits report to the senior management as and when required

Sales Planning:
• Conducts market research, assesses new business trends and carries out comparative analysis with competitors’ products and services; Researches new business development opportunities through trend analysis and identifies potential customers to target
• Forecasts sales volume for the year based on market research conducted and outlines plans for achievement of the same; Engages in business development activities to meet organization’s strategic initiatives
• Analyzes the health of the business and presents recommendations to senior management for strategic decision making
• Identifies untapped market potential; Designs and implements sales plans to capture potential clients.

>> Credit Risk Officer


JOB TITLE Credit Risk Officer
Total Experience Minimym 1 Year of relevant experience
Gender Both
Employee Type Permanent
Location City Multan, Gujranwala, Minchinabad
Location Farea Risk Management
Qualification Minimum Graduation


Core Competencies:

• Effective communication.
• Professional attitude.
• Tolerance.
• Mobility & adaptability.
• Motivation.
• Self driven & willing to take initiatives.

Professional Training:

• Time management & organizational skills

Technical Training:

• Basic financial accounting
• Financial statement analysis
• Credit and risk assessment

Job Duties

Loan Verifications:

This includes Proper assessment of credit requests, detailing appropriateness of loan size, purpose and tenor. This addition in the loan process should not add more than 3 days in the total TAT of a loan and should be done independent of Loan Officers.
• Ensures the completion of the Loan application, related documents and requirements after receiving loan file from the branch.
• Visits the business of the clients to check (as per policy): Client’s demographic information, client’s ability to pay by reviewing financial information and verifying the revenue, expenses and other liabilities, Status and ownership of business by understanding current situation, Loan request and purpose of taking loan, Character analysis, Reference check from business and residential neighbors, Identify any current and potential risks.
• Visits residence of the clients to check the household situation including expenditure and financial responsibilities as well as awareness about the loan taking of applicant.
• Visits guarantor to check his capacity for repayment and his willingness to pay the loan in case of default.
• Prepare a recommendation report for approval/rejection/deferral of the loan proposal based on his/her findings and give the file to Branch Manager and send a copy to CRM

Loan Recommendations/Credit Committee:
• Be part of the credit committee meeting at branch for loan recommendation.

Portfolio Review:
• Post disbursement review of assigned portfolio and suggestions for improvement.

Annual Loan Review with CRM:
• Assist CRM in preparation of branch loan review of any other branch, participate in on site work and report writing as and when required. The loan review will include but not limited to:
• Assess the quality of loans in the portfolio
• Assess compliance with policy and regulatory guidelines
• Assess internal controls designed to identify undesirable trends or developments early enough to provide an opportunity to take prompt corrective action.
• Monitor exceptions to credit analysis or documentation to ensure that loan policies are being adhered to, exceptions resolved and to generally ascertain that the lending activities are being conducted in a fundamentally safe and sound manner.
• Work with the branch staff to ensure that all Audit objections regarding the credit have been addressed.
• Assess the need for staff training and skill development.

اس نوکریوں پر کس طرح درخواست دیں :Click Here

 Note by Admin: Beware of Fraudulent Recruiting Activities: If the employer asks you to pay money for any purpose including processing to shortlisting, do not pay at all and report us using our contact us form. Apply as per instructions & dates mentioned in original job ad. Govt jobs cannot be applied online here. Error & omissions excepted. 

 تازہ ترین سرکاری اور پرائیوٹ نوکریاں کی معلومات اپنے واٹس اپ پر بالکل فری حاصل کرنے کیلئے ابھی موجود بٹن پر کلک کر کے ہمارا واٹس اپ گروپ جوائن کریں 

Post a Comment