About the role
National Bank of Pakistan is recruiting experienced professionals for roles within its Risk Management, SME Risk and Retail & Program Lending divisions based in Karachi. Positions include senior and mid-level roles responsible for independent credit review, risk-based post-approval reviews, MIS and business intelligence, portfolio analytics, policy development for secured and unsecured consumer finance, and oversight of delegated credit approval processes. Successful candidates will support risk identification, report preparation for senior management, and ensure compliance with internal credit policies and SBP Prudential Regulations.
Posts and vacancies
- Wing Head - Risk Review (VP / SVP)
- Positions: 1
- Scale: VP / SVP
- Key responsibilities: Conduct independent post-approval credit reviews for SME and Commercial approvals; identify policy deviations, documentation deficiencies and emerging portfolio risks; submit periodic Risk Review reports; recommend enhancements to credit policies and controls; monitor closure of observations.
- Positions: 1
- Scale: AVP
- Key responsibilities: Develop, automate and manage MIS dashboards and reports (MS Access, Power BI); monitor portfolio quality, approval trends, exceptions and early warning indicators; generate timely management scorecards and dashboards.
- Wing Head - SME Risk (VP / SVP)
- Positions: 1
- Scale: VP / SVP
- Key responsibilities: Lead SME Risk wing, perform post-approval reviews, coordinate regulatory and audit reporting, provide analytical support for policy reviews and risk appetite assessment.
- Assistant Manager - Policy Consumer Secured Finance (AVP)
- Positions: 1
- Scale: AVP
- Key responsibilities: Support policy formulation and review for secured consumer and agri products; exercise delegated credit approval where applicable; ensure compliance with SBP regulations; monitor portfolio and audit observations.
- Unit Head - MIS (AVP / VP)
- Positions: 1
- Scale: AVP / VP
- Key responsibilities: Lead MIS for SME credit approvals and portfolio quality; ensure data integrity, reconciliation and validation of MIS sourced from core banking systems; drive automation and reporting accuracy.
- Assistant Manager - Policy Consumer Unsecured Finance (AVP)
- Positions: 1
- Scale: AVP
- Key responsibilities: Develop and maintain policies and product programs for unsecured consumer lending; perform portfolio analytics and support embedding consumer risk considerations into decision making.
Eligibility
- Education: Minimum graduation or equivalent from a local or international university/college recognized by the HEC. Candidates with a Master's degree and/or relevant certifications will be preferred for several roles.
- Experience requirements by role as advertised:
- Wing Head - Risk Review: Minimum 10 years of banking experience, including at least 7 years in Credit Risk Management and/or Credit Approvals and/or Credit Review and/or Commercial or SME Banking.
- Manager MIS (AVP): Minimum 6 years of banking experience, with at least 3 years in Business Intelligence and/or Data Analytics and/or Project Management.
- Wing Head - SME Risk: Minimum 10 years of banking experience, with at least 7 years in Commercial and/or SME roles on the business or risk management side in a commercial bank.
- Assistant Manager - Policy Consumer Secured Finance: Minimum 6 years of banking experience, including at least 4 years in secured consumer policy and/or credit risk and/or product program based lending across consumer, agri and SBP schemes; experience in housing or auto finance is an advantage.
- Unit Head - MIS: Minimum 6 years of banking experience, including at least 2 years in Business Intelligence and/or Data Analytics and/or Project Management and/or MIS.
- Assistant Manager - Policy Consumer Unsecured Finance: Minimum 6 years of banking experience, including at least 4 years in unsecured consumer policy and/or credit risk and/or product program based lending.
- Skills and knowledge: Strong analytical, investigative and report writing skills; thorough understanding of SBP Prudential Regulations and internal credit policies; experience with delegated credit approval frameworks; proficiency in MS Office, MS Access and Power BI where applicable; leadership and stakeholder management skills for senior roles.
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