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Team Leader - SME

The Bank of Punjab is one of the fastest-growing banks in Pakistan, with a profound existence of over 35+ years. It operates through a network of over 900+ real-time online branches and ATMs across the country. The Bank has established a strong foundation while offering premium banking services, focusing on unsurpassed value-added services for its customers through advanced solutions.

In line with the Bank's progression strategy, we invite applications from experienced, dedicated, and performance-driven professionals for the position in our Small Medium Enterprises Division (Consumer Banking Group). This job profile offers an excellent opportunity for the right candidates desirous of building a long-term career in a dynamic organization:

Grade: Band-7 to Band-5

Location: Karachi

Job Responsibilities:

Ensure all assigned hub/team business targets are achieved. A balanced growth is achieved in financing to all segments under the SME Division, i.e., SME, Commercial/Corporate, particularly financing against SBP schemes.
Ensure onboarding of new-to-bank customers. Establish new relationships and strengthen & deepen relationships with existing customers.
Identify business opportunities to grow funded & non-funded business, structure proposals, negotiate terms, and determine security arrangements.
Provide financial advice & solutions to existing and prospective clients. Ensure achievement of financial and non-financial objectives of the Division.
Liaise with other business units for business leads. Ensure cross-selling with other business groups and divisions through marketing of deposit, RFD/ACD products, cash management mandates, etc.
Ensure no fresh NPL addition in the portfolio and reduction in existing NPLs.
Regularly visit existing customers in the region and ensure timely recovery of installments/markups and other bank charges. Ensure maximum collection (at least 90%) is achieved in the first 30 days of the quarter.
Ensure compliance with the Bank’s operational procedures and State Bank of Pakistan regulations.
Ensure proper screening of customers is conducted to ensure their eligibility for the Bank's products & services.
Ensure credit discipline is maintained in line with the Bank’s CPM, policies & procedures.
Ensure preparation and processing of credit proposals/renewals relating to assigned relationships and carry out financial analysis and credit risk assessment in conformity with the Bank’s policy and SBP Prudential Regulations.
Ensure turnaround time defined by SBP or internal procedures, PPMs, etc. for credit processing is met.
Ensure special attention is given to the needs of vulnerable persons. Ensure fair and equal treatment to all customers in accordance with the Bank's policies, procedures & PPMs.
Ensure completion of all pre–post sanction/disbursement formalities timely and issuance of “DAC” from RCAD relating to assigned credit relationships.
Monitor compliance with the terms & conditions of the approved credit packages, ensuring record updation in respect of insurance policies, stock reports, valuation reports, and audited accounts (if required) of the assigned relationships.
Ensure timely communication of any change in terms & conditions of the products to the customers.
Conduct periodical business calls to the customers and submit business call/visit reports.
Facilitate customers in making informed decisions by presenting the best available options to cater to their needs and assist them promptly and efficiently if they require alternatives.

Eligibility Criteria:

Qualification: Minimum Bachelor's or equivalent degree from an HEC recognized local/foreign university.

Experience: Minimum 07 to 09 years of experience. Preference will be given to candidates having 5 years of relevant banking experience.

Age: Up to 55 years as of Aug 05, 2026.

Important Note:

Only shortlisted candidates shall be called for interviews. No TA/DA will be admissible.
The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s).
The Bank is an equal opportunity employer. Females, minorities, differently-abled persons (DAPs), and transgender individuals are encouraged to apply.
The position carries market-based competitive remuneration.
Individuals fulfilling the above-mentioned criteria are encouraged to apply online through BOP career portal bop.rozee.pk Latest by Aug 05, 2026.

Skills

Regulatory Compliance And Credit Operations Portfolio Management And Recovery SMA And Commercial Banking Risk Assessment Relationship Management

Job Details

Industry:

Banking/Financial Services

Functional Area:

Human Resources

Total Positions:

1 Post

Job Shift:

First Shift (Day)

Job Type:

Full Time/Permanent

Department:

Small Medium Enterprises Division, (Consumer Banking Group)

Job Location:

Karachi, Pakistan

Gender:

No Preference

Minimum Education:

Bachelors

Degree Title:

Bachelor's or equivalent degree from an HEC recognized local/foreign university

Career Level:

Experienced Professional

Minimum Experience:

7 Years (Minimum 07 to 09 years of experience. Preference will be given to candidates having 5 years of relevant banking experience.)

Apply Before:

Aug 06, 2026

Posting Date:

Jul 22, 2026

The Bank of Punjab (BOP)

Banking/Financial Services · More than 5000 employees - Karachi

The Bank of Punjab was established in 1989 under The Bank of Punjab Act, 1989 passed by Provincial Assembly of the Punjab, as a non-scheduled Commercial Bank with majority shareholding of Government of the Punjab. The Bank earned the status of a scheduled Commercial Bank in 1994 and currently carries a vast network of over 620 online branches, strategically located across the Country along with an ATM network of over 550 offering 24/7 banking services to its diverse clientele of over 2 million. Since its inception, the BOP has seen many ups and downs and has also successfully weathered the waves of economic volatility, recessions and stiff market competition over the years. Current strong network base coupled with solid capital structure and phenomenal financial results posted during last few years has transformed the Bank to one of a leading financial institution of the Country. Now, the Bank standouts among peer group as a robust and rapidly growing commercial Bank. Besides offering a range of products and services to meet the modern days’ banking requirements of its clients, the Bank has also established its footprint in the areas of consumer financing, agriculture credit, corporate & investment banking, cash management and alternative delivery channels. While achieving the objective of financial inclusion through its presence in remote and unbanked areas of the Country with HarFardKaKhayal the Bank is playing its due role in the economic growth of the Country through its various specially tailored and designed products and services.

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