Manager Risk Review (AVP) - TJ / 1903591

National Bank of Pakistan, one of the country’s largest and most reputable financial institutions, is seeking a Manager Risk Review (AVP) to join its Risk Management team in Karachi. The Bank is committed to supporting the nation’s financial well-being and driving sustainable growth through its extensive local and international branch network. This role offers an opportunity to contribute to the Bank’s transformation into a future-ready, agile, and sustainable organization by ensuring robust credit risk management practices.

Key Responsibilities:
- Conduct independent reviews of SME and Commercial credit approvals processed under delegated authorities by Regional and Hub Heads of Credit.
- Perform risk-based post-approval reviews to verify compliance with internal credit policies, delegated approval limits, and SBP Prudential Regulations.
- Identify policy deviations, documentation gaps, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, recommending corrective and preventive measures.
- Prepare and submit periodic Risk Review reports to the Head SME Risk, Chief Risk Officer, and senior management.
- Suggest improvements to credit policies, approval processes, delegation frameworks, and risk controls based on review findings.
- Monitor and ensure timely closure of Risk Review observations and oversee implementation of corrective actions across regions and hubs.
- Ensure timely completion of all assigned reviews and perform additional tasks as delegated by supervisors.

Required Qualifications:
- Minimum graduation or equivalent degree from a university or institute recognized by the Higher Education Commission (HEC) of Pakistan.
- At least six years of banking experience, including a minimum of four years in Credit Risk Management, Credit Approvals, Credit Review, Commercial Banking, or SME Banking within a commercial bank.
- Strong knowledge of Commercial and SME credit risk assessment practices.
- Thorough understanding of SBP Prudential Regulations and internal credit policies.
- Familiarity with delegated credit approval frameworks and post-approval review processes.
- Proficiency in MS Office and Management Information System (MIS) reporting tools.
- Excellent analytical, investigative, and report-writing skills.

Preferred Qualifications and Benefits:
- Candidates with a Master’s degree and/or relevant professional certifications will be given preference.
- Hands-on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance, and policy implementation is highly desirable.
- The position is offered on a contractual basis for three years, with the possibility of renewal at the discretion of management.
- Selected candidates will receive a competitive compensation package and benefits in accordance with the Bank’s policies.

The role is based in Karachi. Only candidates who meet the eligibility criteria will be invited for panel interviews. National Bank of Pakistan is an equal opportunity employer and encourages applications from all qualified individuals regardless of gender, religion, or disability. Applications must be submitted within 10 working days from the date of the advertisement’s publication. Late applications will not be considered, and no travel allowance or daily allowance will be provided for the interview process.