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

National Bank of Pakistan, one of the country’s largest and most reputable financial institutions, is seeking a dedicated and experienced professional for the position of Unit Head - Agri Program Lending (AVP/VP) based in Karachi. The Bank is committed to supporting the nation’s financial well-being and fostering sustainable growth through its extensive local and international branch network. This role is integral to advancing the Bank’s strategy of becoming a future-fit, agile, and sustainable institution, particularly within the area of Risk Management.

Key Responsibilities:
- Formulate, review, and maintain the Agriculture Credit Policy along with all farm and non-farm product programs.
- Define target markets, risk acceptance criteria, per-acre limits, tenors, and collateral norms for agricultural lending.
- Establish and monitor early warning indicators (EWIs) and emerging risk triggers across the agriculture portfolio, recommending timely risk mitigation measures.
- Develop and maintain portfolio risk appetite parameters, concentration thresholds, and risk monitoring dashboards to facilitate effective senior management oversight.
- Ensure credit policies and processes remain effective and support quality credit decisions.
- Conduct periodic portfolio and multidimensional analyses, recommending evidence-based policy adjustments.
- Manage the approval authority matrix, deviation framework, and exception monitoring.
- Provide credit risk input for projects, new product development, and market intelligence.
- Track business, market, and regulatory developments to keep policies relevant and up to date.
- Coordinate stakeholder feedback into product programs and manuals, documenting all policy changes with an adequate audit trail.
- Perform any other assignments as directed 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 agricultural policy, credit risk, consumer/SME/SBP schemes, or product program-based lending.
- Strong knowledge of agricultural, consumer, and retail policies, SME financing, and State Bank of Pakistan regulations.
- Sound understanding of regulatory requirements and agricultural market dynamics.
- Proficiency in MS Office and strong business acumen.
- Detail-oriented, goal-driven, and capable of prioritizing tasks to meet deadlines.

Preferred Qualifications and Benefits:
- A master’s degree and/or relevant professional certifications will be considered an advantage.
- Experience in housing finance, auto finance, and other secured lending products is desirable.
- Candidates with prior experience in a similar role within commercial banks will be preferred.
- The position is offered on a contractual basis for three years, with the possibility of renewal at management’s discretion.
- Compensation and benefits will be provided in accordance with the Bank’s policies and rules.

The position is based in Karachi. Only shortlisted 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. No travel allowance or daily allowance will be provided for the interview process. Applications must be submitted within 10 working days from the date of the job posting; late applications will not be considered.