Career Opportunities at Zarai Taraqiati Bank Limited: Head Credit Policy & Credit Operation Roles

Further Details

ZTBL, a leading private sector bank, is announcing career opportunities for experienced professionals in Head Credit Policy and Credit Operation. These roles are crucial for the bank's continued success in the agriculture credit sector. We are looking for individuals who can bring their expertise to enhance our operational efficiency and policy development. This is a fantastic chance to join a reputable financial institution and contribute to its mission. ZTBL is dedicated to providing a stimulating work environment and competitive remuneration. Explore these job openings to advance your career in banking.

ZTBL Career Opportunities: Head Credit Policy & Credit Operation Roles

Zarai Taraqiati Bank Limited (ZTBL), a leading financial institution in Pakistan, is offering significant career opportunities for experienced professionals. The bank is seeking candidates for two key positions: Head Credit Policy SVP-I/SVP and Credit Operation VP-I/VP. These roles are critical for the bank's strategic operations and require a minimum of 10 years of relevant experience in agriculture credit. ZTBL is committed to providing a challenging and rewarding environment for its employees, fostering professional development and growth.

The bank emphasizes that market competitive remuneration will be offered, and it is an equal opportunity employer, encouraging applications from females and PWDs. Interested candidates are advised to apply online through the provided link by the deadline. ZTBL reserves the right to accept or reject any application without assigning any reason.

Key Positions Available:

• Head Credit Policy SVP-I/SVP (No. of Position-01)
• Credit Operation VP-I/VP (No. of Position-01)

Eligibility Criteria Highlights:

• Minimum Age: 50 Years as on closing date to apply.
• Market competitive remuneration will be offered.
• ZTBL is an equal opportunity employer, females and PWDs are encouraged to apply.
• Only short-listed candidates will be called for interview.
• No TA/DA shall be admissible for interviews.

Skills

• Minimum 10-year's relevant experience in agriculture credit
• Minimum Bachelor degree from HEC recognized Institute/University (National/ International)
• Proficiency in credit policy and credit manual formulation
• Expertise in risk management frameworks and lending practices
• Skills in annual account closing and credit portfolio accuracy
• Ability to prepare and submit financial budgets and estimates
• Experience in reviewing and coordinating internal and external audit reports
• Proficiency in performance of credit schemes and products
• Ability to issue instructional circulars and guidance letters
• Experience in consistent implementation and compliance by field staff
• Skills in monitoring and evaluating digital credit initiatives
• Experience in loan documentation and automated creation of charges
• Ability to foster and maintain liaison with key stakeholders
• Experience in managing relationships with Federal and Provincial Governments, State Bank of Pakistan, Punjab Information Technology Board, and other public/private organizations
• Ability to manage any other assigned task

Duties and Responsibilities:

• Formulate, review, and update the Bank's Credit Policy and Credit Manual to ensure robust risk management frameworks and sound lending practices
• Develop and implement accessible agricultural credit policies and tailored delivery mechanisms to effectively serve the farming community
• Manage the annual account closing process with a specific focus on credit portfolio accuracy, provisioning, and compliance
• Prepare and submit the department's annual financial budget, estimates, manpower plans, and all required regulatory statements
• Review, address, and coordinate the resolution of all observations raised in internal and external audit reports pertaining to the credit department
• Supervise the performance of all credit schemes and products
• Authorize and issue instructional circulars and guidance letters to ensure consistent implementation and compliance by field staff
• Monitor and evaluate the performance of digital credit initiatives, including the E-Credit Scheme and PLRA Project operations
• This encompasses the online verification of loan documents, generation of land records (Fard), and the automated creation of charges across Punjab Province
• Foster and maintain effective liaison with key stakeholders, including Federal and Provincial Governments, the State Bank of Pakistan (SBP), Punjab Land Record Authority (PLRA), Punjab Information Technology Board (PITB), and other public/private organizations to enhance the efficiency of the credit delivery ecosystem
• Any other task assigned the management
• Prepare, implement, and monitor the Bank's annual credit plan
• This involves a comprehensive assessment of credit demand, regional performance, geographical potential, and absorption capacity, with a strategic focus on small farmer coverage, priority sectors, and poverty alleviation programs
• Analyze and monitor regional disbursement performance, providing targeted support and guidance to ensure the achievement of established disbursement targets
• Conduct ongoing monitoring and evaluation of all operational credit schemes to ensure alignment with strategic objectives and operational efficiency
• Manage the registration and approval of tractor manufacturers, suppliers, and models according to Bank policy, and disseminate the official list to all field offices
• Implement all agricultural lending policies and directives issued by the Board of Directors (BOD), State Bank of Pakistan (SBP), and Government of Pakistan (GOP)
• Address and resolve complaints, applications, and references received from the public and through official channels, including the Prime Minister's Secretariat, SBP, Federal Ministries, Provincial Departments, and the Ombudsman (Wafaqi Mohtasib)
• Prepare quarterly markup subsidy claims for the PM-Kissan Package – 2022 and submit them to the State Bank of Pakistan following thorough vetting by the audit division
• Monitor the collection and repayment performance for accounts within the 1-89 Days Past Due (DPD) bracket
• Ensure the timely dissemination of Collection Management Information System (MIS) reports at set frequencies to enable effective monitoring at all organizational levels
• Any other task assigned the management

How to apply

Interested candidates are invited to submit their applications online for the available positions at Zarai Taraqiati Bank Limited (ZTBL). Please follow the steps below to ensure your application is considered:

• Application Method: All applications must be submitted online.
• Application Link: Visit the official ZTBL careers portal at https://www.ztbl.com.pk/jobs.
• Deadline: Ensure your application is submitted by the closing date, which is the 28th June, 2026. Late submissions will not be entertained.
• Required Documents: While not explicitly listed, it is advisable to have your updated CV, educational certificates, and any relevant professional certifications ready for submission.
• Eligibility: Please review the eligibility and ineligibility criteria carefully before applying.
• Interview: Only short-listed candidates will be contacted for an interview. No TA/DA will be provided for attending the interview.
• Equal Opportunity: ZTBL is an equal opportunity employer and encourages applications from all eligible candidates, including females and persons with disabilities.
• Application Acceptance: The bank reserves the right to accept or reject any application without providing a reason.
• Disciplinary Grounds: Applicants dismissed, removed, or terminated by a previous employer on disciplinary grounds are not eligible to apply.
• Legal Standing: Applicants convicted by any court of law are not eligible to apply.

For any related queries, please contact the Head (Recruitment & Selection) at ZTBL Head Office, Islamabad, via phone at 051-9252724.

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