Regional Credit Executive (AVP/VP) - Risk Management

Recruit AI; Gilgit-Baltistan; On-site; PKR 1,800,000 - 2,400,000; Full time

Job summary

National Bank of Pakistan (NBP) in Gilgit seeks a Regional Executive - Credit (AVP/VP) to lead the regional credit function within Risk Management. The role reports to the Credit Hub Head and oversees SME, Commercial, and agricultural credit proposals while ensuring policy compliance and robust risk controls.

The position requires strong leadership, credit risk assessment, and knowledge of SBP regulations, with a proven track record in banking credit management.

Qualifications

• Bachelor’s degree or equivalent from a recognized university/HEC.
• Masters degree and/or related certifications preferred.
• Minimum 6 years banking experience with at least 4 years in SME/Commercial risk management.

Responsibilities

• Exercise credit approval authority for SME, Commercial and Agriculture proposals.
• Manage a regional team of credit officers.
• Assist and support Credit Hub Head with reviews, assessments and monitoring.
• Liaise with business, CAD, and audit at regional level.
• Address audit observations and ensure compliance with policies.

Skills

Leadership & people management

Credit risk assessment

Agricultural lending

SBP Prudential Regulations

Collateral types

Problem solving & decision making

Sector knowledge of economy

Education

Bachelor’s degree or equivalent

Master’s degree preferred

Tools

MS Office

Job description

Our client National Bank of Pakistan (NBP) is looking for a Regional Credit Executive (AVP/VP) - Risk Management in Gilgit.

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 position in the area of Risk Management.

Position / Job Title

Regional Executive - Credit (AVP / VP)

Reporting to

Credit Hub Head - Credit Risk Management 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 Commercial and / or SME, either in the business and / or risk management in a commercial bank.

Other Skills / Expertise / Knowledge Required

• Leadership & people management
• Credit risk assessment skills for SME / Commercial
• Exposure to agricultural lending will be an advantage
• Knowledge of SBPs Prudential Regulations
• Understanding of different types of collaterals
• Proficient in the use of MS office
• Problem solving & decision making
• The ability to use knowledge of specific sectors and the broader economy to make a judgment about specific credits

Outline of Main Duties / Responsibilities

• To exercise credit approval authority delegated from time to time to approve / recommend proposals for approval. Processing will include SME, Commercial and agriculture credit proposals for both conventional and Islamic banking related to region. Exercise of powers to be done while analyzing credit risk and assess obligors credit worthiness in conjunction with the collateral offered, and ensure compliance with Banks internal policies, procedures and SBP Prudential Regulations
• To manage a team of credit officers in the region
• To assist and support Credit Hub Head and Senior Credit Officer with credit review, assessment, and monitoring
• To liaison with different stakeholders like business, CAD, audit etc. at regional level to ensure smooth operations
• To ensure audit requirements and observations related to their own area are addressed (both internal and external) and implement measures to minimize recurrence and liaise with Head Office for handling audit observations
• To ensure all processes are completed within the specified turnaround time
• To monitor the credit portfolio for early warnings, maintain portfolio MIS, staff data and ensure its timely submission
• To train and develop the team maintaining high standards and appropriate succession planning
• To perform any other assignment as assigned by the supervisor(s)

Place of Posting

Gilgit

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.