Assistant Manager - Policy Consumer Unsecured Finance (AVP) - TJ / 1903594

Our client, National Bank of Pakistan, is seeking a dedicated and experienced professional for the position of Assistant Manager - Policy Consumer Unsecured Finance (AVP) based in Karachi. As one of the largest and leading banks in Pakistan, National Bank of Pakistan plays a vital role in supporting the financial well-being of the nation while promoting sustainable growth and inclusive development through its extensive local and international branch network. The bank is committed to transforming into a future-ready, agile, and sustainable institution. This role falls within the Risk Management division and is crucial to maintaining and enhancing the bank’s unsecured consumer finance policies and programs.

Key Responsibilities
- Formulate, review, and maintain policies related to unsecured consumer and agricultural product programs, including setting target markets, risk acceptance criteria, exposure limits, tenors, and collateral norms.
- Analyze policies and product programs submitted by business groups, collaborating with cross-functional teams to integrate consumer risk considerations into decision-making processes.
- Review amendments to product programs, proposals, policies, SOPs, scorecards, ORR models, and deviation matrices, recommending necessary changes and risk mitigation measures.
- Assess portfolio risk and recommend appropriate lending criteria, limits, risk mitigants, and approval requirements.
- Evaluate policy exceptions and deviations, providing recommendations based on risk considerations and delegated authority.
- Ensure credit policies and processes remain effective and support sound credit decision-making.
- Incorporate stakeholder feedback into product programs and manuals, documenting all policy changes with a proper 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.
- A master’s degree and/or relevant certifications will be considered an advantage.
- At least six years of banking experience, including a minimum of four years in unsecured consumer policy, credit risk, or product program-based lending across consumer, agricultural, and SBP schemes.
- Experience in housing finance, auto finance, or other unsecured lending products is a plus.
- Previous experience in a similar role within commercial banks is preferred.

Preferred Qualifications and Skills
- Strong knowledge of unsecured consumer and retail policies, agricultural and SME financing, and State Bank of Pakistan regulations.
- Deep understanding of regulatory requirements and market dynamics related to consumer and agricultural lending.
- Goal-oriented and results-driven with the ability to prioritize tasks and meet deadlines effectively.
- Proficiency in MS Office applications.
- Detail-oriented with sound business acumen.

The position reports to the Unit Head - Policy Consumer Products, Retail & Program Lending Division, and is based in Karachi. Employment will be on a contractual basis for three years, with the possibility of renewal at the management’s discretion. The selected candidate will receive a competitive compensation package and benefits in accordance with the bank’s policies.

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. Applications must be submitted within 10 working days from the date of the job posting. No travel allowance or daily allowance will be provided for interviews.