Senior Manager - Credit Policy (AVP / VP) - TJ / 1936469

Recruit AI; Karachi Division; On-site; PKR 3,000,000 - 6,000,000; Full time

Job summary

National Bank of Pakistan in Karachi seeks a Senior Manager - Credit Policy (AVP/VP) to lead the credit policy framework and MIS reporting for senior management. The role involves coordinating data from various units, preparing papers for the Board, and refining credit approval processes to ensure safe, compliant lending aligned with SBP regulations.

The ideal candidate has 6+ years in banking, strong data management skills, and professional qualifications such as CFA/FRM/ACCA/ICMA, with a

Qualifications

• Bachelor's degree or equivalent recognised by HEC of Pakistan.
• Master's degree and/or professional qualifications such as CFA/FRM/ACCA/ICMA preferred.
• Minimum 6 years banking experience in corporate/SME lending or risk management.
• Strong data accuracy and confidentiality knowledge.

Responsibilities

• Prepare MIS reports for Senior Management and the Board per policies and SBP rules.
• Coordinate data from business units for timely, accurate submissions.
• Prepare agenda papers and presentations for credit MIS to senior leadership.
• Maintain documentation and records of MIS submissions and minutes.
• Collect, consolidate and analyze MIS on Seasonal Financing Products.
• Review and revise credit approval documents and templates with stakeholders.
• Suggest improvements to the credit approval process.
• Support development and revision of the bank's credit policies and procedures.
• Guide functions across the bank to implement credit policies consistently.
• Coordinate with Audit and Compliance for data validation and queries.
• Perform any other assignments as directed by supervisors.

Skills

Attention to detail

Data analysis

MS Office

Credit policy knowledge

Analytical reasoning

Data management

Problem solving

Education

Minimum graduation or equivalent

Master's degree or relevant qualifications (CFA/FRM/ACCA/ICMA) preferred

Tools

MS Office Suite

Job description

Our client National Bank of Pakistan is looking for a Senior Manager - Credit Policy (AVP / VP) 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.

Position / Job Title:

Senior Manager - Credit Policy (AVP / VP)

Reporting to:

Wing Head - Credit Policy Wing - 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 Master's degree and / or relevant professional qualifications such as Data Analytics, CFA, FRM, ACCA or ICMA will be given preference

Experience:

• Minimum 06 years of banking experience in Corporate and / or Commercial and / or SME lending either on the business side and / or in risk management in a Commercial Bank

Other Skills / Expertise / Knowledge:

• Attention to detail in ensuring data accuracy, maintenance and confidentiality
• Data and portfolio analysis
• Proficiency in MS Office Suite
• Sound understanding of Credit Policy and SBP Regulations
• Good analytical, data management and problem solving skills

Outline of Main Duties / Responsibilities:

• To prepare periodic Management Information System (MIS) reports for Senior Management and the Board of Directors covering key areas of credit approvals, in line with the Bank's approved policies and regulatory requirements
• To coordinate with relevant business and support units for timely provision of complete and accurate data, ensuring consistency and resolution of discrepancies before submission within the timeline
• To prepare agenda papers and presentations for submission of credit related MIS to the Bank's senior management and board, highlighting key trends, exceptions and areas requiring management attention
• To maintain proper documentation and records of MIS submissions, supporting data and committee minutes etc.
• To collect, consolidate and analyze MIS on Seasonal Financing Products and share the same with line manager
• To review and revise credit approval documents, like credit approval memos, approved templates for financial analysis and facility offering templates etc. in coordination with relevant stakeholders
• To suggest improvements in the credit approval process
• To provide support for the development, maintenance and revision of the Bank's credit policies and procedures ensuring that safe, sound and compliant lending processes are in place that support business growth in a responsible manner
• To provide guidance to relevant functions across the Bank on credit policies and procedures to facilitate consistent implementation of credit policies
• To coordinate with the Audit (Internal and External) and compliance for data validation, report verification and other audit queries
• 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 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.