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

National Bank of Pakistan, one of the largest and most prominent financial institutions in the country, is seeking an experienced professional to join as Wing Head - Risk Review (VP / SVP) 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 the Bank’s strategy of transforming into a future-ready, agile, and sustainable organization by strengthening its risk management framework.

Key Responsibilities
- Lead the Risk Review Wing responsible for the independent review of SME and Commercial credit approvals processed under delegated authorities by Regional and Hub Heads of Credit.
- Conduct post-approval reviews to ensure compliance with internal credit policies, delegated approval authorities, 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.
- Recommend enhancements to credit policies, approval processes, delegation frameworks, and risk controls based on review findings.
- Ensure timely closure of Risk Review observations and oversee the implementation of corrective actions across Regions and Hubs.
- Lead, mentor, and develop the Risk Review team, ensuring timely and effective completion of all reviews.
- Perform additional assignments as delegated by supervisors.

Required Qualifications
- Minimum graduation or equivalent from a university, college, 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 analytical, investigative, and report writing skills.
- Ability to identify policy deviations, emerging portfolio risks, and process weaknesses.
- Demonstrated leadership, stakeholder management, and decision-making capabilities.

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 management’s discretion.
- Compensation and benefits will be provided in accordance with the Bank’s policies and rules.
- The Bank is an equal opportunity employer and encourages applications from all qualified individuals regardless of gender, religion, or disability.

The position is based in Karachi. Only shortlisted candidates meeting the eligibility criteria will be invited for panel interviews. No travel allowance or daily allowance will be provided for interview attendance. Applications must be submitted within 10 working days from the date of the job posting. Late applications will not be considered.