Aitemaad Islamic Banking Vacancies at National Bank of Pakistan

About the role

National Bank of Pakistan is recruiting experienced professionals for Aitemaad Islamic Banking. The bank supports financial well-being, sustainable growth and inclusive development through its local and international branch network, with the objective of becoming an agile and sustainable institution.

The vacancies cover credit operations, branch operations management, relationship management and teller services.

Posts and vacancies

Credit Operations Manager (OG-I)

• Reporting to: Branch Operations Manager.

• Place of posting: Karachi.

The Credit Operations Manager will handle accounting entries for financing disbursements and adjustments in accordance with approved facility terms, credit memoranda, Disbursement Authorization Certificates and applicable process flows. Responsibilities include accruals, repricing, profit calculations, rental realization, monitoring and correspondence for advances and corporate Sukuk held at the branch, as advised by the Relationship Manager.

The role requires keeping advances and investments within approved limits; recording entries in ALMANAC (LMS) and PD Teller; and maintaining balanced subsidiary ledgers and physical registers for financing, including Istisna, Tijarat, Salam and Murabaha. The manager will coordinate with customers, the Relationship Manager and CAD on payments, ageing, finance recovery, profit, rentals and Takaful or insurance policies.

Further duties include safeguarding financing and security documents until their transfer to CAD, executing entries advised by Pool Management Division (AIBG), and ensuring accurate balancing and reconciliation of credit activities. The manager will assist internal and external auditors, rectify observations and provide portfolio reports in liaison with the Relationship Manager, Unit Head and CAD officer.

The manager must prepare monthly, quarterly and annual statements, including ECIB and F-256; protect credit portfolio confidentiality; address customer queries; and maintain shadow credit files, electronic document copies and comprehensive account records for financial, management, Shariah and regulatory audits. Other responsibilities include compliance with banking laws, instructions, standard operating procedures and Shariah requirements; preparing monthly general ledger certificates for Relationship Managers' signatures; addressing audit observations and preventing recurrence; completing processes within prescribed turnaround times; and carrying out assignments from supervisors.

Branch Operations Manager (OG-II / OG-I)

• Reporting to: Regional Executive – Operations.

• Places of posting: Haripur, Jhelum, Karachi and Lahore.

The Branch Operations Manager will oversee branch operations, internal controls and compliance mechanisms. The manager will support the Branch Manager in achieving business key performance indicators, developing the annual branch budget and monitoring budget compliance.

Responsibilities include ensuring compliance with banking laws, regulations, instructions, standard operating procedures and Shariah requirements; opening and closing operations at prescribed times; addressing customer queries; and maintaining service standards. The manager will supervise administrative and operational staff, coordinate departmental workflows, oversee data processing, and ensure preparation and filing of debit and credit vouchers.

The role also includes supervising timely, accurate account opening, inter-branch transactions and reconciliation of the branch general account, while preserving customer confidentiality. Regulatory, Know Your Customer and anti-money laundering requirements must be observed when establishing relationships and processing subsequent transactions.

The manager will supervise daily statements of affairs, periodic reports and statistics for management and regulators, and daily checking of transaction reports. General ledger adjustments, anti-money laundering alerts, high-risk customer cases, reconciliation matters and data cleansing issues must be addressed.

ATM oversight includes branch and linked offsite machines, functioning CCTV coverage, displayed contact numbers, cash feeding and balancing, alternate power availability and sufficient rolls. The manager must ensure fair customer treatment, explain financial products, address concerns and complaints, and make additional service arrangements where required for senior citizens, women and persons with disabilities. Duties also cover office discipline, dress code, premises upkeep, hygiene, branch asset safety, timely process completion and other supervisory assignments.

Relationship Manager (OG-II)

• Reporting to: Branch Manager.

• Places of posting: Chiniot and Sargodha.

The Relationship Manager will meet or exceed monthly, quarterly and annual targets for account opening, deposit generation, retention and growth, and consumer financing, including mortgage and auto financing. Duties include managing tail accounts through activation of dormant accounts, the digital application and ATMs, and deepening existing account relationships.

The role involves cross-selling and upselling to existing customers, planning and conducting daily visits to new and existing customers, and participating in periodic mass customer contact drives, market outreach and similar activities. The manager must develop thorough product knowledge and competitive analysis to support sales discussions, resolve customer issues efficiently, and complete mandatory and regulatory requirements for account opening and product sales.

Other responsibilities include addressing internal and external audit observations, implementing measures to prevent recurrence, maintaining portfolio files and records, completing processes within prescribed turnaround times, complying with banking laws and Shariah requirements, and undertaking other assignments from supervisors.

Teller (OG-III / OG-II)

• Reporting to: Branch Operations Manager.

The Teller will receive cash from the Branch Operations Manager or supervisor, record denominations for cashier and sorting functions, and request additional cash as needed during business hours. Duties include processing customer deposits and withdrawals, remittances, utility bill collections, government receipts and payments, and agency-based collections.

The Teller must follow bank procedures for vault management and cash keys. Cheques exceeding assigned limits must be forwarded for authorization, and Pakistani rupee or foreign currency cash disbursed only after the cheque is entered into the system. Cash must be counted and sorted according to State Bank of Pakistan directives, checked against deposit slips, recorded in the system and credited to customer accounts. Deposits exceeding assigned limits require supervisory authorization, and customers must receive their deposit slip copies.

Further duties include processing and balancing funds transfers and ATM transactions; handling requests such as currency exchanges under prevailing procedures; referring other enquiries to the appropriate staff; and maintaining customer service standards within prescribed turnaround times. The Teller will balance and sort cash, prepare the cash book, check day-end cash against system reports, and maintain transaction records and vouchers.

The role includes cross-selling bank products, explaining services and promotions, identifying customer needs and making appropriate referrals. The Teller must provide fresh cash over the counter according to State Bank directives, reconcile sorted, unsorted, reissuable, defective and new notes before vault storage, promptly report unusual or suspicious cash activity to the Operations Manager, and periodically reconcile cash-related general ledger accounts.

Eligibility

All four roles require at least graduation or an equivalent qualification from a local or international university, college or institute recognized by the Higher Education Commission of Pakistan.

Credit Operations Manager

• At least four years of banking experience, including at least one year in credit, advances or retail banking.

• Preference for candidates with a master's degree or an Islamic Banking certification, degree or diploma.

• People management skills, knowledge of banking products and procedures, strong verbal and written communication, proficiency in MS Office and databases, sound Islamic Banking knowledge, selling and interpersonal skills, and the ability to prioritize multiple tasks and meet targets.

Branch Operations Manager

• At least four years of banking experience, including two years in core branch operations.

• Preference for candidates with a master's degree or an Islamic Banking certification, degree or diploma.

• Local candidates and domicile holders of the relevant area or city will be preferred. Women are encouraged to apply.

• Sound knowledge of State Bank of Pakistan Prudential Regulations and Islamic Banking products, strong branch operations knowledge, leadership and branch management skills, business acumen, process efficiency expertise, analytical and customer-handling skills, strong communication and interpersonal skills, and proficiency in Outlook, Excel, Word and PowerPoint.

Relationship Manager

• At least two years of banking experience, including at least six months in sales.

• Preference for candidates with a commerce graduation qualification or an Islamic Banking qualification, degree or diploma.

• People management skills, knowledge of banking products and procedures, strong verbal and written communication, proficiency in MS Office and databases, sound Islamic Banking knowledge, selling and interpersonal skills, and the ability to organize priorities and meet targets.

Teller

• At least one year of relevant banking experience.

• Preference for candidates with a master's degree or an Islamic Banking certification, degree or diploma from an HEC-recognized institution.

• Sound knowledge of State Bank of Pakistan Prudential Regulations concerning cash management, a good understanding of branch banking operations, good communication and customer-handling skills, excellent cash-handling skills, teamwork, and proficiency in Outlook, Excel, Word and PowerPoint.