Unit Head - Agri Program Lending (AVP / VP) - TJ / 1885255

Recruit AI; Karachi Division; On-site; PKR 3,500,000 - 7,000,000; Full time

Job summary

National Bank of Pakistan invites applications for the position of Unit Head- Agri Program Lending (AVP/VP) based in Karachi, reporting to Wing Head - Policy & Portfolio Monitoring - Retail & Program Lending. The role focuses on formulating and monitoring agriculture credit policies and farm/non-farm programs.

The ideal candidate will have 6+ years in banking with 4+ years in agri policy or credit risk, strong knowledge of SBP regulations, and proficiency in MS Office.

Qualifications

• Minimum graduation or equivalent from a recognized university/college/institute.
• Masters degree and/or relevant certification(s) preferred.

Responsibilities

• Formulate, review and upkeep Agriculture Credit Policy and farm/non-farm product programs.
• Set target market, risk acceptance criteria, per acre limits, tenors and collateral norms; monitor EWIs and risks in agriculture portfolio.
• Develop and maintain portfolio risk appetite parameters and dashboards for senior management oversight.
• Ensure credit policies and processes stay effective for quality credit decisions.
• Coordinate stakeholder feedback into product programs and document policy changes with audit trails.

Skills

Agriculture policy

Credit risk assessment

Policy monitoring

SBP regulations

MS Office

Portfolio management

Education

Bachelor's degree

Masters preferred

Tools

MS Office

Job description

Our client National Bank of Pakistan is looking for a Unit Head - Agri Program Lending (AVP / VP) in Karachi.

Position / Job Title:

Unit Head- Agri Program Lending (AVP/VP)

Reporting to:

Wing Head - Policy & Portfolio Monitoring - Retail & Program Lending

Educational / Professional Qualification:

• Minimum graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
• Candidates having a Masters degree and / or relevant certification(s) will be preferred

Experience:

• Minimum 06 years of Banking experience out of which 04 years in Agri policy and / or credit risk and / or Consumer / SME / SBP schemes and / or product program based lending
• Experience in Housing finance, autos finance and other secured lending products will be an added advantage
• Candidates having experience of working in a similar role in Commercial Bank(s) will be preferred

Other Skills / Expertise / Knowledge Required:

• Sound knowledge of Agri / Consumer / Retail policies, SME financing and SBP regulations
• Strong understanding of regulatory requirements and agricultural market dynamics
• Goal oriented, result driven with ability to prioritize and accomplish tasks with deadlines
• Well conversant with MS Office
• Detail oriented and sound business acumen

Outline of Main Duties / Responsibilities:

• To formulate, review and upkeep of the Agriculture Credit Policy and all farm / non farm product programs
• To set target market, risk acceptance criteria, per acre limits, tenors and collateral normsTo establish and monitor early warning indicators (EWIs) and emerging risk triggers across the agriculture portfolio recommending timely risk mitigation measures
• To develop and maintain portfolio risk appetite parameters, concentration thresholds and risk monitoring dashboards for effective senior management oversight
• To ensure credit policies and processes stay effective and enable quality credit decisions
• To run periodic portfolio and multidimensional analysis; recommend evidence based policy tweaks
• To own the approval authority matrix, deviation framework and exception monitoring
• To provide credit risk input to projects, new product development and market intelligence
• To track business, market and regulatory developments to keep policy relevant and current
• To coordinate stakeholder feedback into product programs / manuals; document all policy changes with adequate audit trail
• 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 criteriawill be invited for panel interview(s).

Employment Type:

The employment will be on contractual basis for three years which may be renewed ondiscretion of the Management. Selected candidates will be offered compensationpackage and other benefits as per Banks Policy / rules.

"The Nation's 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 inthe area of of Risk Management. based in Karachi.

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.