Al-Arafah Islami Bank PLC Job Circular 2026 – Analyst, Credit Card-Retail IRM (EO-PO)

Al-Arafah Islami Bank PLC

Analyst, Credit Card-Retail IRM (EO-PO)

Published: 04 Nov 2026 | Application Deadline: 16 Nov 2026

Position Name	Job Location	Experience	Salary
Analyst, Credit Card-Retail IRM (EO-PO)	Dhaka	At least 6 years	Negotiable

Requirements & Educational Qualifications:

• Bachelor/Honors and Masters degrees.
• Graduation or Post-Graduation in Commerce, BBA, MBA, or a relevant discipline from a UGC-approved local or reputable foreign university will be preferred.
• No Third division/class/equivalent result in any academic examination.
• Experience: At least 6 years of professional experience.

Additional Requirements:

• Minimum 4 years of experience in related field and 6 years total work experience in banking sector; it can be relaxed in case of exceptional quality or demonstrated capacity.
• Excellent communication, interpersonal & presentation skills.
• Having Investment-related knowledge.
• Customer service and customer manageable ability.
• Strong analytical skill to analyze La-Rica card & Retail Investment proposals.
• Have a good idea about local business & economic situation depends on nature & area.
• Highly PC literate with an emphasis on Microsoft Word, Excel & PowerPoint.

Responsibilities & Context:

Processing individual credit card applications & limit enhancement requests across all customer segments by conducting comprehensive profile assessments covering income, employment, financial behavior, repayment history, risk capacity, IBR and CIB reports. Ensuring accuracy, compliance & bank policies and guidelines thorough scrutiny of documents, CPV verification, contact number authentication, and justified limit determination.

Major Responsibilities:

• Card Investment Appraisal: Analyze credit card proposals submitted by sales team/branches/sub-branch/hubs etc. Assess customer's profile, including income level, employment status, social and financial behavior, repayment history, risk tolerance and capacity. Evaluate market conditions and sectoral risks. Review and verify the correctness and completeness of required documents (e.g., NID, TIN, Income document, Trade licenses, Bank statements, Lien documents, etc.). Identify key risks, mitigates and provide well-structured preliminary risk notes to the Unit Head. Maintain TAT. Process credit card limit enhancement requests based on the overall performance and activity of the account.
• Financial Assessment: Assessing the risk factors and Investment Burden Ratio (IBR) associated with credit card applications. Assessment of the CIB report to determine customer's creditworthiness. Ensure CPV report reflects accurate details. Ensuring proper and required documents for issuing credit cards and determining a justified limit.
• Portfolio Monitoring: Analyzing delinquency trends, utilization patterns, and payment behavior across the credit card portfolio based on MIS report. Post factor approval of credit card files assessment when require.
• Compliance & Shariah Adherence: Ensure proposals follow bank's internal policy and Bangladesh Bank guidelines. Verify that financing requests adhere to Shariah rules, contract structures, and documentation requirements. Highlight deviations, irregularities, or non-compliance issues. Respond to Audit & Compliance observations and findings.
• Coordination & Communication: Communicating with branches, the sales team and key sales representatives. Work closely with unit teams, business departments and Shariah compliance. Verifying applicant as well as references contact numbers to ensure reachability and authenticity.

Application Deadline: 16 November 2026
Website: https://www.aibl.com.bd

Al-Arafah Islami Bank PLC
Head Office, Al-Arafah Tower, (Level-17), 63, Puraana Paltan, Dhaka-1000