Job Reference No: NBK/RET/10/2025

Position Scope:

This position is responsible for driving the growth, outreach, and sustainability of the Almasi women banking program at National Bank -Amanah, by delivering Shariah-compliant financial and non-financial solutions tailored to women entrepreneurs and clients, deepening inclusion, and strengthening the Bank’s position in the women market segment.

Key Responsibilities:


Execute and manage the rollout of Almasi suite of products (asset financing, unsecured hybrid SME financing, mortgage finance, construction finance, trade financing, etc.)
Guide product customization to ensure the needs of women entrepreneurs are met while preserving Shariah compliance.
Promote non-financial services: advisory, capacity-building workshops, networking, procurement readiness programs, etc.
Identify, segment, and onboard women business owners and women-involved enterprises (≥ 50% women shareholding or management) as per Almasi eligibility criteria.
Cultivate relationships with women’s groups, associations, NGOs, development partners to source leads.
Represent the bank in women entrepreneurship events, exhibitions (e.g. Almasi marketplace).
Support procurement readiness of women-owned firms to access supply opportunities with the bank (20% procurement allocation).
Assess financing proposals from women-owned / women-managed businesses: credit analysis, collateral, structuring.
Monitor repayment performance, delinquency, recovery.
Ensure compliance with the bank’s credit policy, risk guidelines, and Shariah principles.
Deliver high service standards, including dedicated Almasi teller counters.
Serve as a specialist contact for women clients, resolving their inquiries, complaints, and ensuring seamless customer journeys.
Track customer satisfaction, retention metrics raining, Advocacy & Internal Awareness.
Train branch staff, sales teams, and relationship officers on the Almasi proposition, gender-sensitive sales and customer service.
Promote internal awareness to ensure women banking is integrated into mainstream targets.
Collaborate with marketing / communications to design campaigns, content for the Almasi website, knowledge hub, etc.
Prepare performance reports, dashboards, forecasts (new clients, portfolio growth, NPAs, cross-sell, etc.)
Monitor gender-tagged MIS / data tracking of women clients.
Use market research to identify unmet needs or gaps and recommend product enhancements.
Ensure adherence to Shariah advisory rulings, internal compliance, risk and legal protocols.
Support audits and reviews of the Almasi program.
Any other duties as may be assigned by Management from time to time.


Education/Professional Qualifications, Skills & Experience:


Bachelor’s degree in Finance, Banking, Islamic Finance, Business Administration or a business-related field from a recognized University.
Professional Certification in Islamic Finance is an added advantage.
A minimum of 7 years’ experience in retail banking, SME banking, or women / inclusive finance of which at least 3 years in Relationship Management.
Experience in credit evaluation, product marketing, business development
Deep understanding of Shariah-compliant financing instruments
Familiarity with gender-responsive banking or financial inclusion initiatives
Strong communication, relationship-building, negotiation and presentation skills
Analytical mindset; ability to translate insight into actionable strategies
Integrity, ethical orientation, and commitment to compliance.
Customer-oriented & empathy
Target / sales driven
Strategic thinking & innovation
Stakeholder engagement
Problem-solving & decision-making
Teamwork & cross-functional collaboration
Digital literacy (banking systems, data analytics, CRM)
Adaptability & resilience