Unit Head - Agri Program Lending (AVP / VP)
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 position in the area of of Risk Management. based in Karachi.
The individuals who fulfill the below basic-eligibility criteria may apply for the following position:
Position / Job Title:
Unit Head- Agri Program Lending (AVP/VP)
Reporting to:
Wing Head - Policy & Portfolio Monitoring - Retail & Program Lending
Educational /Professional Qualification:
Minimum graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
Candidates having a Master’s degree and / or relevant certification(s) will be preferred
Experience:
Minimum 06 years of Banking experience out of which 04 years in Agri policy and / or credit risk and / or Consumer / SME / SBP schemes and / or product program based lending
Experience in Housing finance, autos finance and other secured lending products will be an added advantage
Candidates having experience of working in a similar role in Commercial Bank(s) will be preferred
Other Skills / Expertise / Knowledge Required:
Sound knowledge of Agri / Consumer / Retail policies, SME financing and SBP regulations
Strong understanding of regulatory requirements and agricultural market dynamics
Goal oriented, result driven with ability to prioritize and accomplish tasks with deadlines
Well conversant with MS Office
Detail oriented and sound business acumen
Outline of Main Duties / Responsibilities:
To formulate, review and upkeep of the Agriculture Credit Policy and all farm / non farm product programs
To set target market, risk acceptance criteria, per acre limits, tenors and collateral norms
To establish and monitor early warning indicators (EWIs) and emerging risk triggers across the agriculture portfolio recommending timely risk mitigation measures
To develop and maintain portfolio risk appetite parameters, concentration thresholds and risk monitoring dashboards for effective senior management oversight
To ensure credit policies and processes stay effective and enable quality credit decisions
To run periodic portfolio and multidimensional analysis; recommend evidence based policy tweaks
To own the approval authority matrix, deviation framework and exception monitoring
To provide credit risk input to projects, new product development and market intelligence
To track business, market and regulatory developments to keep policy relevant and current
To coordinate stakeholder feedback into product programs / manuals; document all policy changes with adequate audit trail
To perform any other assignment as 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.