Team Leader – SME

Khanewal; Lahore; On-site; PKR 1,800,000 - 3,000,000; Full time

Job summary

Bank of Punjab seeks a Team Leader – SME to lead hub and channel growth across SME, commercial, and SBP financing. You will acquire and deepen client relationships, structure compelling proposals, and drive cross-sell of deposits and cash management solutions.

The role requires a minimum 7 years in banking, a Bachelor's degree, and adherence to credit policies plus SBP regulations. You will supervise credit proposals and ensure timely processing within a high-volume environment.

Qualifications

• Minimum 7 years of banking experience in a similar role.
• HEC-recognized local/foreign university degree accepted.

Responsibilities

• Achieve hub/team targets and grow SME, Commercial/Corporate, and SBP financing.
• Acquire new-to-bank customers and strengthen existing relationships.
• Identify funded and non-funded opportunities and structure proposals.
• Provide financial advice and banking solutions to clients.
• Develop cross-selling for deposits, products, and cash management.
• Monitor portfolio and recover NPLs; ensure timely recoveries.
• Ensure compliance with policies and SBP regulations.
• Prepare credit proposals and renewals with financial analysis and risk assessment.
• Maintain required documentation and timely credit processing.

Skills

Banking experience

Education

Bachelor's degree or equivalent

Job description

## Team Leader – SMEFull Job Details#### Job Description* **Grade:** Band-7 to Band-6### Eligibility Criteria* **Qualification:** Minimum Bachelor's degree or equivalent from an HEC-recognized local/foreign university* **Experience:** Minimum **07 years of banking experience** in a similar role* **Age Limit:** Up to **55 years** as of the application date### Key Responsibilities* Achieve assigned hub/team business targets and ensure balanced growth across SME, Commercial/Corporate and SBP financing schemes.* Acquire new-to-bank customers and strengthen relationships with existing clients.* Identify opportunities for funded and non-funded business and structure suitable proposals.* Provide financial advice and banking solutions to existing and prospective customers.* Develop cross-selling opportunities for deposits, RFD/ACD products and cash management services.* Monitor the portfolio to prevent new NPLs and support recovery of existing NPLs.* Conduct customer visits and ensure timely recovery of installments, markups and bank charges.* Ensure compliance with BOP policies, operational procedures and State Bank of Pakistan regulations.* Conduct customer screening and maintain credit discipline according to approved policies.* Prepare and process credit proposals and renewals, including financial analysis and credit risk assessment.* Ensure credit processing turnaround times are achieved.* Complete pre- and post-sanction/disbursement requirements and maintain required documentation.* Monitor compliance with approved credit terms and keep insurance, stock, valuation and financial records updated.* Communicate product terms and conditions to customers when required.* Conduct regular customer business calls and maintain visit reports.* Help customers make informed decisions by presenting suitable banking options and alternatives.History### About Bank of PunjabThe Bank of Punjab is a major Pakistani banking institution with **35+ years of operations** and a network of **900+ online branches** across the country, providing a range of banking and financial services.### How to ApplyEligible candidates are encouraged to apply online through the official **Bank of Punjab careers portal**. **BOP Phone Banking:** 111-267-200### Important Notes* Only shortlisted candidates will be contacted for interviews.* No TA/DA will be admissible.* BOP reserves the right to accept or reject any application without assigning a reason.* BOP is an equal opportunity employer. Females, minorities, differently abled persons (DAPs), and transgender candidates are encouraged to apply.* The position offers market-based competitive remuneration.