Strategic Policy Lead: Secured Consumer Finance (AVP)

Recruit AI; Karachi Division; Presencial; PKR 4.200.000 - 7.000.000; Jornada completa

Descripción de la vacante

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.

Formación

• 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

Responsabilidades

• 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

Conocimientos

Secured Consumer Policy

Regulatory Knowledge

Credit Risk Understanding

MS Office

Analytical Thinking

Educación

Graduation or equivalent

Masters degree preferred

Descripción del empleo

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.