Manager Risk Review (AVP) - TJ / 1903591

Recruit AI; Karachi Division; On-site; PKR 3,000,000 - 5,000,000; Full time

Job summary

National Bank of Pakistan in Karachi is seeking a Manager Risk Review (AVP) to lead independent risk reviews of SME and Commercial credit approvals under delegated authorities. The role emphasizes SBP regulatory adherence, portfolio monitoring, and timely risk reporting.

Ideal candidates bring 6+ years in banking with 4+ years in credit risk, strong analytical and writing skills, and proficiency in MS Office/MIS reporting tools. Employment is contract-based for three years with potential renewal.

Qualifications

• Minimum 6 years banking experience with 4+ years in credit risk/Review.
• Experience in independent credit review, portfolio monitoring and regulatory compliance.
• Familiarity with delegated credit approval framework and post-approval reviews.

Responsibilities

• Responsible for independent review of SME and Commercial credit approvals under delegated authorities.
• Conduct risk-based post-approval reviews to assess policy compliance and SBP regulations.
• Identify deviations, documentation gaps, underwriting weaknesses and recommend corrective actions.
• Submit periodic Risk Review reports to Head SME Risk, CRO and senior management.
• Recommend enhancements to policies, approval processes and risk controls.
• Ensure timely closure of observations and monitor implementation across Regions.
• Perform any other assignment as directed by supervisors.

Skills

Credit risk assessment

SBP regulations knowledge

Delegated credit approval

Analytical reporting

MS Office & MIS tools

Education

Graduation

Masters degree / relevant certification

Job description

Our client National Bank of Pakistan is looking for a Manager Risk Review (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 Managementbased at Karachi.

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

Position / Job Title:

Manager Risk Review (AVP)

Reporting to

Wing Head - Risk Review - SME Risk and RMG HR & Administration 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, 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
• Candidate having 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
• Proficiency in MS Office and MIS reporting tools

Outline of Main Duties / Responsibilities

• To responsible for independent review 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 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 ensuring timely completion of reviews
• 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.