AVP, Policy for Unsecured Consumer Finance

Recruit AI; Karachi Division; On-site; PKR 1,800,000 - 3,000,000; Full time

Job summary

National Bank of Pakistan in Karachi invites applications for the position of Assistant Manager - Policy Consumer Unsecured Finance (AVP). The role focuses on formulating and maintaining unsecured policy programs, setting risk criteria, and embedding consumer risk in decision making.

The candidate should have a minimum 6 years banking experience, with at least 4 years in unsecured consumer policy or credit risk, and preference for those with housing/auto finance exposure.

Qualifications

• 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
• 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 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

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)

Skills

Unsecured policy knowledge

Credit risk understanding

Regulatory awareness

Education

Bachelor's degree or equivalent

Master's degree preferred

Tools

MS Office

Job description

National Bank of Pakistan in Karachi invites applications for the position of Assistant Manager - Policy Consumer Unsecured Finance (AVP). The role focuses on formulating and maintaining unsecured policy programs, setting risk criteria, and embedding consumer risk in decision making.

The candidate should have a minimum 6 years banking experience, with at least 4 years in unsecured consumer policy or credit risk, and preference for those with housing/auto finance exposure.