Wing Head - SME Risk (VP / SVP) - TJ / 1903599

National Bank of Pakistan, one of the largest and most prominent banks in the country, is seeking an experienced professional for the position of Wing Head - SME Risk (VP / SVP) based in Karachi. The bank is committed to supporting the nation’s financial well-being and promoting 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 institution by strengthening its risk management capabilities within the SME sector.

Key Responsibilities:
- Exercise delegated credit approval authority to approve or recommend SME credit proposals for both conventional and Islamic banking across the country. This includes thorough analysis of credit risk and assessment of obligors’ creditworthiness in line with collateral offered, internal policies, and SBP Prudential Regulations.
- Review and oversee the SME product program, including both manual and digital credit approval processes.
- Assist and support the Head of SME Risk in credit review, assessment, and ongoing monitoring activities.
- Liaise effectively with various stakeholders such as business units, Credit Administration Department (CAD), audit teams, and Head Office to ensure smooth operational workflows.
- Address audit requirements and observations from both internal and external audits, implementing corrective measures to prevent recurrence.
- Ensure all processes are completed within specified turnaround times to maintain operational efficiency.
- Monitor the SME credit portfolio for early warning signs, maintain portfolio management information systems (MIS), and ensure timely reporting.
- Lead, train, and develop the SME risk team to maintain high professional standards and performance.
- Perform any additional assignments as delegated 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 Commercial and/or SME banking, with exposure to either business or risk management functions within a commercial bank.

Preferred Qualifications and Skills:
- A Master’s degree and/or relevant professional certifications will be considered an advantage.
- Strong leadership and people management skills.
- Proficient in credit risk assessment specifically for the SME sector.
- In-depth knowledge of State Bank of Pakistan’s Prudential Regulations.
- Understanding of various types of collateral and SME product programs.
- Excellent problem-solving and decision-making abilities.
- Ability to apply sector-specific and macroeconomic knowledge to evaluate credit proposals effectively.

The position is based in Karachi and offers a contractual employment term of three years, subject to renewal at the management’s discretion. Compensation and benefits will be provided in accordance with the bank’s policies and rules.

Only candidates who meet the outlined eligibility criteria will be shortlisted 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 the interview process.