Assistant Manager - Policy Consumer Unsecured Finance (AVP)
National Bank of Pakistan
Published Date: • Karachi, Pakistan (On-Site)
Description
“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 Risk Management based at Karachi.
The individuals who fulfill the below basic-eligibility criteria may apply for the following positions:
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
financing 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, tenors, 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, proposals, policies, SOPs, scorecards, ORR models, and deviation matrices, and recommend appropriate changes and risk mitigation measures
- To assess portfolio risk and recommend appropriate lending criteria, limits, risk
mitigants and approval requirements - 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)
Place of Posting:
Karachi
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.
Apply within 10 working days from the date of this job posting.
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.