Assistant Manager - Policy Consumer Secured Finance (AVP) - TJ / 1903595

Recruit AI; Karachi Division; In loco; PKR 4.200.000 - 7.000.000; Tempo pieno

Descrizione del lavoro

National Bank of Pakistan invites applications for the position of Assistant Manager - Policy Consumer Secured Finance (AVP) based in Karachi. This role is within Risk Management and centers on formulating, reviewing, and maintaining secured policy programs for consumer, agribusiness, and SBP-aligned lending.

Minimum graduation, Masters preferred, with at least six years of banking experience including four years in secured consumer policy or credit risk.

Competenze

• Minimum Graduation or equivalent from a local or international university recognized by the HEC of Pakistan
• Masters degree and/or any other relevant certification(s) will be preferred
• 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 & SBP schemes
• Experience in Housing Finance, Auto Finance or other secured lending products will be an added advantage

Mansioni

• Formulate, review and maintain the policy and all secured Consumer & Agri product programs
• Set the target market, risk acceptance criteria, exposure limits, tenors, and collateral norms
• Review and analyze all policies and product programs submitted by business groups and embed consumer risk considerations into decision making
• Review amendments to product programs, proposals, policies, SOPs, scorecards, ORR models, deviation matrices and recommend changes
• Assess portfolio risk and recommend appropriate lending criteria, limits, risk mitigants and approval requirements
• Review policy exceptions and deviations and provide risk-based recommendations
• Ensure credit policies and processes support sound credit decision making
• Incorporate stakeholder feedback into product programs and manuals with audit trails
• Perform any other assignments as directed by supervisors

Conoscenze

Secured Consumer Policy

Regulatory Knowledge

Credit Risk Understanding

MS Office

Analytical Thinking

Formazione

Graduation or equivalent

Masters degree preferred

Descrizione del lavoro

Our client National Bank of Pakistan is looking for a Assistant Manager - Policy Consumer Secured Finance (AVP) in Karachi

The Nations 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.

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 Masters 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 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 Secured 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 secured 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, 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 Banks Policy / rules.

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