National Bank of Pakistan Jobs October 2026

October 12, 2026 admin

National Bank of Pakistan Jobs October 2026

Organization: National Bank of Pakistan

CAREER OPPORTUNITIES: “The Nation’s Bank”, National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future fit, agile and sustainable Bank.

In line with our strategy, the Bank is looking for talented, dedicated and experienced professional(s) for the following positions in the area of Financial Control based at Karachi.

The individuals who fulfill the below basic eligibility criteria may apply for the following positions:

01 Position / Job Title: Wing Head – Fixed Assets Accounting (VP)

Reporting to: Divisional Head – SBP Reporting & General Accounting
Educational / Professional Qualification:
- Minimum Graduation or equivalent or ACCA and / or CA and / or ICMA from a local or international university / college / institute recognized by the HEC of Pakistan
Experience:
- Minimum 08 years of experience in Finance and / or Accounts and / or Article ship preferably with a Financial Institution and / or Audit Firm
- Hands on experience in handling Fixed Assets accounting will be preferred
Other Skills / Expertise / Knowledge Required:
- Sound understanding of business and financial acumen
- Excellent business communication, report writing and analytics skills
- Proficient in MS Excel, PowerPoint and Word
- Basic understanding of Power BI
- Detail oriented with high level of accuracy
- Well conversant with relevant regulatory guidelines
Outline of Main Duties / Responsibilities:
- To review TAMS reconcile before addition, deletion, transfer, disposal, write-off / write-off and other amendments of fixed assets
- To review the CWIP schedule and its aging and ensure timely capitalization of completed projects into the relevant fixed assets account
- To monitor project costs recorded under fixed asset / CWIP accounts and ensure appropriate accounting treatment upon completion of projects
- To monitor and assist in the preparation and processing of CAPEX payments for onward submission to the Payment Wing
- To calculate and ensure accurate monthly depreciation on fixed assets and amortization of intangible assets including auto posting of related entries through the Middleware application of ITS
- To process fixed asset related SAP entries placed in parking status for quarterly, half-yearly and annual closing including disposal related vouchers
- To prepare and provide monthly, quarterly and annual MIS and other information relating to fixed assets for financial reporting, budgeting and management requirements
- To coordinate with Internal and External Auditors and statutory bodies and provide required information and resolve queries relating to fixed assets
- To coordinate with IT for modification and enhancements in the Fixed Assets Management System (FAMS) based on business requirements and ensure appropriate system-generated accounting entries
- To coordinate and ensure compliance with IFRS 16 requirements for appropriate accounting and financial reporting
- To review information relating to zero-value assets and coordinate with Groups and Field Offices for periodic physical verification
- To ensure compliance with the role and responsibilities of FCG as defined in the Bank’s Disposal Policy and other instructions relating to fixed assets
- To perform any other assignment as assigned by the supervisor(s)

02 Position / Job Title: Wing Head – GL Control (VP)

Reporting to: Divisional Head – SBP Reporting & General Accounting
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- ACCA Qualified and / or MBA (Finance) and / or CA Part Qualified candidates will be preferred
Experience:
- Minimum 08 years of experience in Finance and / or Accounts and / or Article ship preferably with a Financial Institution and / or Audit Firm
- Hands on experience in handling GL accounts will be preferred
Other Skills / Expertise / Knowledge Required:
- Sound understanding of business and financial acumen
- Excellent business communication, report writing and analytics skills
- Proficient in MS Excel, PowerPoint and Word
- Basic understanding of Power BI
- Detail oriented with high level of accuracy
- Well conversant with relevant regulatory guidelines
Outline of Main Duties / Responsibilities:
- To provide strategic leadership and direction to the GL Control Wing with respect to collection of data regarding GL Balancing and Validation
- To represent the GL Control Wing in various forums / committees on matters pertaining to GL balancing and related issues
- To analyze reasons for non-balancing and non-validation
- To review management-provided action plan for remediation of non-balancing and non-validation
- To escalate outstanding / high-priority matters of action plans for resolution
- To analyze & present monthly, quarterly and annual MIS reports for GL balancing for desired action plan
- To perform any other assignment as assigned by the supervisor(s)

03 Position / Job Title: Unit Head – IFRS 9 & Fair Valuations (AVP / VP)

Reporting to: Wing Head – Strategic Finance & Special Projects
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidate having Master’s or Bachelor’s degree in Statistics, Mathematics, Actuarial Sciences, Computational Finance, Data Sciences and / or other relevant professional qualification such as CA and / or ACCA and / or ACMA and / or FRM will be preferred
Experience:
- Minimum 05 years of experience in Financial Reporting and / or Risk Management in a Financial Institution and / or Article ship preferably with a Financial Institution and / or Audit Firm, out of which 02 years in IFRS 9 related assignments & reporting
Other Skills / Expertise / Knowledge Required:
- Strong data mining and analytics skills with ability to manage large volumes of data and interpret and comment on data movement
- Sound understanding of the Credit Risk, Exposure at Default, Probabilities of Default, Loss Given Default and Expected Credit Loss calculation methodology, credit policy, etc.
- Excellent knowledge of open source programming and data analytical tools such as Python, Power BI, SQL and MS Excel etc.
- Excellent communication skills
- Detail oriented with high level of accuracy
Outline of Main Duties / Responsibilities:
- To manage and implement the ongoing monthly, quarterly, semi-annually and annually production of IFRS 9 Expected Credit Loss (ECL) calculations using approved models
- To provide insights and analytical commentary to enable Senior Management to make informed decisions and exercise appropriate management judgment in relation to Expected Credit Loss calculations through regular monitoring and reporting
- To develop and enhance IFRS 9 ECL models, including PD, LGD and EAD models as well as valuation of PD, LGD, macroeconomic scenarios, internal rates and other relevant model parameters
- To enhance IFRS 9 model monitoring and management information to enable Senior Management to assess the impact of new and potentially more complex products and investments
- To ensure that relevant account movements, reconciliations, reports, annual report disclosures and accounting entries are prepared accurately and within the timelines prescribed under IFRS 9 and applicable financial reporting requirements
- To ensure compliance with all regulatory and reporting requirements relating to IFRS 9
- To provide training and technical guidance to Risk team members and other relevant officers on IFRS 9 and related risk management activities
- To perform any other assignment as assigned by the supervisor(s)

04 Position / Job Title: Unit Head – GL Control (AVP)

Reporting to: Wing Head – GL Control Wing
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- ACCA Qualified and / or ICMA Qualified and / or CA Part Qualified candidates will be preferred
Experience:
- Minimum 05 years of experience in finance and / or accounts and / or article ship preferably with a financial institution and / or audit firm
- Hands on experience in handling GL accounts will be preferred
Other Skills / Expertise / Knowledge Required:
- Sound understanding of business and financial acumen
- Excellent business communication, report writing and analytical skills
- Proficient in MS Excel, PowerPoint and Word
- Basic understanding of Power BI
- Detail oriented with high level of accuracy
- Well conversant with relevant regulatory guidelines
Outline of Main Duties / Responsibilities:
- To liaise with Internal Stakeholders for collection of data regarding GL Balancing and Validation
- To review and analyze underlying reasons for non-balancing and non-validation of GLs
- To review summarized reports of non-balancing and non-validation of GLs
- To prepare action plans for remediation of non-balancing and non-validation
- To enlist / extract outstanding / high-priority matters for resolution
- To analyze monthly, quarterly, and annual MIS reports for GL balancing
- To perform any other assignment as assigned by the supervisor(s)

05 Position / Job Title: Unit Head – Shariah Reporting & Special Projects (AVP)

Reporting to: Wing Head – Strategic Finance & Special Projects
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 05 years of Banking experience out of which at least 02 years in Financial reporting function of Islamic Banking functions
Other Skills / Expertise / Knowledge Required:
- Preferably Islamic Finance and / or Islamic Banking and / or Shariah related qualification
- Strong knowledge of IFRS and SBP regulatory framework
- Working knowledge of AAOIFI standards and Islamic banking contracts
- Ability to interpret Shariah rulings and translate them into accounting/reporting requirements
- Strong data mining and analytical skills with ability to manage large volumes of data and interpret and comment on data movement
- Excellent communication skills
- Detail oriented with high level of accuracy
Outline of Main Duties / Responsibilities:
- To review the accounting and financial reporting treatment of Islamic banking products and transactions from a Shariah compliance perspective
- To ensure appropriate presentation and disclosure of Islamic assets, liabilities, income, expenses, investments and profit sharing arrangements
- To review financial reporting and accounting implications of new Islamic products, structures and transactions
- To review and identify non-Shariah compliant income / earnings for appropriate accounting treatment, segregation and purification in accordance with the approved Shariah framework
- To act as a primary focal person for matters involving Shariah principles and IFRS / accounting requirements
- To support the interpretation and implementation of relevant SBP instructions, AAOIFI standards / guidelines, IFRS and other applicable regulatory requirements
- To coordinate with the Shariah Board / Resident Shariah Board, Shariah Compliance, Internal Audit and External Auditors on Finance-related Shariah observations
- To maintain a central tracker of Shariah related observations affecting Finance and monitor the status of remediation and corrective actions
- To assist in preparing submissions, reconciliations and supporting documentation for Shariah reviews and audits
- To ensure that appropriate accounting treatment, system configuration, GL mapping and reporting requirements are identified and addressed before the launch of new products or transactions
- To assist in developing and updating Finance policies and procedures relating to Shariah compliant financial reporting
- To maintain a repository of approved Shariah rulings / Fatwas and their relevant accounting and financial reporting implications
- To prepare periodic management reports covering Shariah related financial reporting issues, identified exceptions / non-compliance, purification amounts, outstanding Shariah observations, status of corrective actions, new products / transactions requiring review, and relevant regulatory developments
- To perform any other assignment as assigned by the Supervisor(s)

06 Position / Job Title: Unit Head – Data Analytics & Insights (AVP)

Reporting to: Wing Head – Strategic Finance & Special Projects
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan or CA and / or ACCA and / or CMA
Experience:
- Minimum 05 years of experience in Data Management and / or Analytics and / or IFRS 9 Models and / or Base Financial reporting function
- Hands on experience with Power BI or equivalent data visualization tools will be preferred
Other Skills / Expertise / Knowledge Required:
- Working knowledge of SQL, Power Query and / or DAX will be preferred
- Vision data visualization and dashboarding skills, Power BI, Tableau etc.
- Good sound Business analysis and interpretation of financial statements
- Ability to analyze, present large and complex datasets
- Excellent PowerPoint and executive presentation skills
- Advanced MS Excel skills including data analysis and modelling
- Fair understanding of banking products, assets, IFRS, provisioning and regulatory reporting
- Ability to work effectively with Finance, Risk, Credit, IT and Business teams
Outline of Main Duties / Responsibilities:
- To assist in data preparation relating to IFRS 9, financial reporting, management reporting and analytics requirements
- To develop trend, variance and exception analysis, highlighting key movements, data issues and areas requiring management attention
- To assist in data preparation for updating EAD, PD, LGD, CCF and other IFRS 9 related models
- To assist in data management and updating models used for the fair valuation of investments in unquoted equities
- To develop MIS dashboards, analytics and management information for the CFO and senior management
- To translate complex data into clear management presentations and executive visualizations
- To perform analytical reviews of financial statement line items, disclosures and accounting information including the identification of unusual movements and inconsistencies
- To prepare financial disclosures for annual and quarterly financial statements
- To strengthen data-driven financial reporting through improved analytics, automation and automated reporting tools
- To maintain with Risk, Credit, IT, Business, and Finance teams to ensure the consistency and integrity of data used for financial reporting and related analytics
- To support the CFO / Head of Financial Reporting & Strategy in special assignments relating to IFRS 9, financial reporting, accounting and financial analytics
- To perform any other assignment as assigned by the supervisor(s)

| Assessment Interview(s) | Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria will be invited for panel interview(s). | | Employment Type | The employment will be on contractual basis for three years which may be renewed on discretion of the Management. Selected candidates will be offered compensation package and other benefits as per Bank’s Policy / rules. |

Interested candidates may visit the website https://nbp.rozee.pk/ and apply online within 10 working days from the date of publication of this advertisement as per given instructions. Applications received after due date will not be considered in any case. No TA / DA will be admissible for interview.

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.

NATIONAL BANK OF PAKISTAN

CAREER OPPORTUNITIES: “The Nation’s Bank”, National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future fit, agile and sustainable Bank.

In line with our strategy, the Bank is looking for talented, dedicated and experienced professionals for the following positions in the area of Risk Management based at Karachi.

The individuals who fulfill the below basic eligibility criteria may apply for the following positions:

01. Position / Job Title: Wing Head – Risk Review (VP / SVP)

Reporting to: Head – SME Risk – SME Risk and RMG HR & Adm. Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 10 years of banking experience, out of which at least 07 years in Credit Risk Management and / or Credit Approvals and / or Credit Review and / or Commercial Banking and / or SME Banking within a commercial bank
- Candidates with hands on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance and policy implementation will be preferred
Other Skills / Expertise / Knowledge Required:
- Strong knowledge of Commercial and SME credit risk assessment
- Thorough understanding of SBP Prudential Regulations and internal credit policies
- Knowledge of delegated credit approval framework and post approval review processes
- Strong analytical, investigative, and report writing skills
- Ability to identify policy deviations, emerging portfolio risk, and process weaknesses
- Leadership, stakeholder management, and decision-making skills
Outline of Main Duties / Responsibilities:
- To lead the Risk Review Wing responsible for independent review of SME and Commercial credit approvals processed by Regional Head Credit and Hub Head Credit under delegated authority
- To conduct post-approval reviews to assess compliance with internal credit policies, delegated approval authority, and SBP Prudential Regulations
- To identify policy deviations, documentation deficiencies, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, and recommend corrective and preventive actions
- To monitor portfolio quality trends, exception accounts, and early warning indicators, and submit periodic Risk Review reports to the Head SME Risk, CRO, and Senior Management
- To recommend enhancements to credit policies, approval processes, delegation framework, and risk controls based on Risk Review findings
- To ensure timely closure of Risk Review observations and monitor implementation of agreed corrective actions across Regions and Hubs
- To lead, mentor, and develop the Risk Review team while ensuring timely completion of reviews
- To perform any other assignment as assigned by the supervisor(s)

02. Position / Job Title: Wing Head – SME Risk (VP / SVP)

Reporting to: Head – SME Risk – SME Risk and RMG HR & Adm Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 10 years of banking experience, out of which 07 years in Commercial and / or SME, either on the business and / or the management side in a commercial bank
Other Skills / Expertise / Knowledge Required:
- Leadership & people management
- Credit risk assessment skills for SME
- Knowledge of SBP’s Prudential Regulations
- Understanding of different types of collaterals
- Knowledge of SME product program
- Problem solving & decision making
- The ability to use knowledge of specific sectors and the broader economy to make a judgment about specific credits
Outline of Main Duties / Responsibilities:
- To exercise credit approval authority delegated from time to time to approve / recommend proposals for approval. Processing will include SME credit proposals for both conventional and Islamic banking country wide. Analyze credit risk and assess structural weaknesses in transaction with the collateral offered, and ensure compliance with Bank’s internal policies, procedures and SBP Prudential Regulations
- To review SME Product program basic manual and digital processing of credit proposals
- To assist and support Head SME Risk with model review, assessment, and monitoring
- To liaise with different stakeholders like Business, CAD, Audit etc., Head Office level to ensure smooth operations
- To ensure audit observations and observations are addressed (both internal and external) and implement measures to minimize standard
- To ensure all processes are completed within the specified turn-around time
- To monitor the credit portfolio for early warnings, maintain portfolio MIS and ensure timely submission
- To create a highly performing team maintaining high standards
- To perform any other assignment assigned by the supervisor(s)

03. Position / Job Title: Wing Head – MIS (AVP / VP)

Reporting to: Wing Head – SME Risk, SME Risk and RMG HR & ADM. DIVISION
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 06 years of banking experience, out of which 02 years in Business Intelligence and / or Data Analytics and / or Project Management and / or MIS
Other Skills / Expertise / Knowledge Required:
- Strong data interpretation, problem-solving, and statistical analysis
- Accuracy in reporting and data handling
- Ability to maintain database reports at MS Access and Power BI
- Excellent MS Office skills
- Verbal and communication skills
Outline of Main Duties / Responsibilities:
- To develop, automate, and manage MIS covering SME credit approvals, portfolio quality, IFRS delegated authority utilization across 37 Regions and 10 Hubs
- To generate accurate and timely management reports, summaries, and performance dashboards for the Head of SME Risk, CRO, Senior Management, and Board Committees
- To perform portfolio analytics, including concentration analysis, risk migration, delinquency trends, early warning indicators (EWI), and NPL monitoring to support proactive risk management
- To lead the automation and continuous enhancement of MIS reporting using business intelligence tools to improve efficiency and decision making
- To coordinate regulatory, audit, and management reporting requirements while providing analytical support for policy reviews, risk appetite assessment, and strategic planning
- To ensure data integrity through reconciliation, validation, and governance of MIS sourced from core banking and related systems
- To coordinate with Regional and Hub Teams, Credit, Business, Risk, IT and other relevant stakeholders to ensure timely availability of accurate data: regular reporting of exceptions and continuously improve MIS process and reporting standards
- To perform any other assignment assigned by the supervisor(s)

04. Position / Job Title: Manager Risk Review (AVP)

Reporting to: Wing Head – Risk Review – SME Risk and RMG HR & Adm Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 06 years of banking experience, out of which at least 04 years in Credit Risk Management and / or Credit Approvals and / or Credit Review and / or Commercial Banking and / or SME Banking within a commercial bank
Other Skills / Expertise / Knowledge Required:
- Candidates having hands-on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance, and policy implementation will be preferred
- Strong knowledge of Commercial and SME credit risk assessment
- Thorough understanding of SBP Prudential Regulations and internal credit policies
- Knowledge of delegated credit approval framework and post approval review processes
- Strong analytical, investigative, and report writing skills
- Proficiency in MS Office and MIS reporting tools
Outline of Main Duties / Responsibilities:
- To responsible for independent reviews of SME and Commercial credit approvals processed by Regional Head Credit and Hub Head Credit under delegated authorities
- To conduct risk-based post-approval reviews to assess compliance with internal credit policies, delegated approval authorities, and SBP Prudential Regulations
- To identify policy deviations, documentation deficiencies, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, and recommend corrective and preventive actions
- To submit detailed Risk Review reports to the Wing Head SME Risk, CRO, and Senior Management
- To recommend enhancements to credit policies, approval processes, delegation framework, and risk controls based on Risk Review findings
- To ensure timely closure of Risk Review observations and monitor implementation of agreed corrective actions across Regions and Hubs
- To ensure timely completion of reviews
- To perform any other assignment assigned by the supervisor(s)

05. Position / Job Title: Manager MIS (AVP)

Reporting to: Unit Head – MIS – SME Risk and RMG HR & Adm. Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 06 years of banking experience out of which 04 years in Business Intelligence and / or Data Analytics and / or Project Management
Other Skills / Expertise / Knowledge Required:
- Strong data interpretation, problem-solving, and statistical methods
- Accuracy in reporting and data handling
- Ability to maintain database reports at MS Access and Power BI
- Verbal and communication skills
Outline of Main Duties / Responsibilities:
- To assist Unit Head MIS to develop, automate, and manage MIS dashboards covering SME credit approvals, portfolio quality, IFRS delegated authority utilization metrics across 37 Regions and 10 Hubs
- To generate accurate and timely management reports, summaries, and performance dashboards for the Head of SME Risk, CRO, senior management, and Board Committees
- To perform portfolio analytics, including concentration analysis, risk migration, delinquency trends, early warning indicators (EWI), and NPL monitoring to support proactive risk management
- To lead the automation and continuous enhancement of MIS reporting using business intelligence tools to improve efficiency and decision making
- To coordinate regulatory, audit, and management reporting requirements while providing analytical support for policy reviews, risk appetite assessment, and strategic planning
- To ensure data integrity through reconciliation, validation, and governance of MIS sourced from core banking and related systems
- To perform any other assignment assigned by the supervisor(s)

06. Position / Job Title: Assistant Manager – Policy Consumer Secured Finance (AVP)

Reporting to: Unit Head – Policy Consumer Products – Retail & Program Lending Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 06 years of banking experience, including at least 04 years in Secured Consumer Policy and / or Credit Risk and / or Product Program based Lending across Consumer, Agri & SBP schemes. Experience in Housing Finance, Auto Finance or other secured lending products will mean added advantage.
- Candidates with experience in a similar role within commercial banks will be preferred
Other Skills / Expertise / Knowledge Required:
- Sound knowledge of Secured Consumer and Retail policies, Agri & SME lending and SBP regulations
- Strong understanding of regulatory requirements and Consumer & Agri. lending market dynamics
- Goal-oriented and results-driven, with the ability to prioritize tasks and meet deadlines
- Proficient in MS Office
- Detail-oriented, with sound business acumen
Outline of Main Duties / Responsibilities:
- To formulate, review and maintain the policy and all secured Consumer & Agri. product programs
- To set the target market, risk acceptance criteria, exposure limits, tenure, and collateral norms
- To review and analyze all policies and product programs submitted by business groups; collaborate with cross-functional teams to embed consumer risk considerations into decision making
- To review amendments to product programs, product process, policy, risk scorecards, ORR models, and deviation metrics, and recommend appropriate changes and risk mitigation measures
- To assess portfolio risk and recommend appropriate underwriting criteria, limits, risk mitigants and approval frameworks
- To review policy exceptions and deviations and provide recommendations based on risk considerations and delegated authority
- To ensure credit policies and processes remain effective and support sound credit decision-making
- To incorporate stakeholder feedback into product programs and manuals, and document all policy changes with an adequate audit trail
- To perform any other assignment assigned by the supervisor(s)

07. Position / Job Title: Assistant Manager – Policy Consumer Unsecured Finance (AVP)

Reporting to: Unit Head – Policy Consumer Products – Retail & Program Lending Division
Educational / Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having Master’s degree and / or any other relevant certification(s) will be preferred
Experience:
- Minimum 06 years of banking experience, including at least 04 years in Unsecured Consumer Policy and / or Credit Risk and / or Product Program based Lending across Consumer, Agri & SBP schemes. Experience in Housing Finance, Auto Finance or other unsecured lending products will be an added advantage.
- Candidates with experience in a similar role within commercial banks will be preferred
Other Skills / Expertise / Knowledge Required:
- Sound knowledge of Unsecured Consumer and Retail policies, Agri & SME lending and SBP regulations
- Strong understanding of regulatory requirements and Consumer & Agri. lending market dynamics
- Goal-oriented and results-driven, with the ability to prioritize tasks and meet deadlines
- Proficient in MS Office
- Detail-oriented, with sound business acumen
Outline of Main Duties / Responsibilities:
- To formulate, review and maintain the policy and all unsecured Consumer & Agri. product programs
- To set the target market, risk acceptance criteria, exposure limits, tenure, and collateral norms
- To review and analyze all policies and product programs submitted by business groups; collaborate with cross-functional teams to embed consumer risk considerations into decision-making
- To review amendments to product programs, product process, policy, risk scorecards, ORR models, and deviation metrics, and recommend appropriate changes and risk mitigation measures
- To assess portfolio risk and recommend appropriate underwriting criteria, limits, risk mitigants and approval frameworks
- To review policy exceptions and deviations and provide recommendations based on risk considerations and delegated authority
- To ensure credit policies and processes remain effective and support sound credit decision-making
- To incorporate stakeholder feedback into product programs and manuals, and document all policy changes with an adequate audit trail
- To perform any other assignment assigned by the supervisor(s)
Assessment Interview(s): Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria will be invited for panel interview(s).
Employment Type: The employment will be on contractual basis for three years which may be renewed on discretion of the Management. Selected candidates will be offered compensation package and other benefits as per Bank’s Policy / Rules.

Interested candidates may visit the website https://nbp.rozee.pk/ and apply online within 10 working days from the date of publication of this advertisement as per given instructions.

Applications received after due date will not be considered in any case. No TA / DA will be admissible for interviews.

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability

Published Date: 11 0ctober 2026

Newspaper: Dawn