Wing Head - Risk Review (VP / SVP) - TJ / 1903593

Our client, National Bank of Pakistan, one of the largest and most prominent banks in the country, is seeking a highly skilled and experienced professional for the position of Wing Head - Risk Review (VP/SVP) based in Karachi. The bank plays a vital role in supporting the financial well-being of the nation and fostering sustainable growth through its extensive local and international branch network. This role is critical to the bank’s strategy of transforming into a future-fit, agile, and sustainable institution by strengthening its risk management framework.

Key Responsibilities:
- Lead the Risk Review Wing responsible for conducting independent reviews of SME and Commercial credit approvals processed under delegated authorities by Regional and Hub Heads of Credit.
- Perform post-approval reviews to ensure compliance with internal credit policies, delegated approval limits, and State Bank of Pakistan (SBP) Prudential Regulations.
- Identify policy deviations, documentation gaps, underwriting weaknesses, recurring exceptions, and emerging portfolio risks; recommend corrective and preventive measures accordingly.
- Monitor portfolio quality, approval trends, exception patterns, and early warning indicators; prepare and submit periodic Risk Review reports to the Head SME Risk, Chief Risk Officer (CRO), and senior management.
- Suggest improvements to credit policies, approval processes, delegation frameworks, and risk controls based on findings from Risk Reviews.
- Ensure timely closure of Risk Review observations and oversee the implementation of agreed corrective actions across various Regions and Hubs.
- Lead, mentor, and develop the Risk Review team, ensuring timely and effective completion of all reviews.
- Undertake any additional 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 10 years of banking experience, including a minimum of 7 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.
- Thorough understanding of SBP Prudential Regulations and internal credit policies.
- Familiarity with delegated credit approval frameworks and post-approval review processes.
- Proven ability in analytical thinking, investigative work, and report writing.
- Capability to identify policy deviations, emerging portfolio risks, and process weaknesses.
- Demonstrated leadership, stakeholder management, and decision-making skills.

Preferred Qualifications and Benefits:
- Candidates holding 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.
- Employment will be on a contractual basis for three years, with the possibility of renewal at management’s discretion.
- The selected candidate will receive a competitive compensation package and benefits in accordance with the bank’s policies.

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. Applications must be submitted within 10 working days from the date of the job posting. Late applications will not be considered, and no travel allowance or daily allowance will be provided for interviews.