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

Further Details

ZTBL, a leading financial institution, is announcing career opportunities for experienced professionals in Head Credit Policy and Credit Operation roles. This private sector bank is known for its extensive network and commitment to agricultural finance. The positions require a minimum of 10 years of relevant experience and a Bachelor's degree from an HEC-recognized institution. These roles are crucial for the bank's strategic objectives, focusing on credit policy formulation, implementation, and operational efficiency. Candidates will be instrumental in managing credit portfolios, ensuring compliance, and fostering strong relationships with stakeholders. This is a chance to join a well-established organization and contribute to its continued success in the financial industry.

ZTBL Career Opportunities: Head Credit Policy & Credit Operation Roles

Zarai Taraqiati Bank Limited (ZTBL), a distinguished 'AAA' rated financial institution, is extending an invitation to seasoned professionals for critical roles within its extensive network. This is a prime opportunity for individuals with a robust background in energetic and challenge-oriented environments to contribute significantly to the agricultural credit sector across Pakistan. The bank is committed to fostering innovation and transformation, offering a platform for career advancement.

ZTBL is dedicated to providing a stimulating work environment that encourages professional growth. Additionally, Manager jobs in Islamabad are available for qualified candidates. If you possess the required experience and qualifications, explore these exciting vacancies and become part of a leading financial organization. The bank values diversity and encourages applications from all eligible candidates.

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

Key Requirements:

• Minimum 10 years of relevant experience in agriculture credit.
• Minimum Bachelor degree from an HEC recognized Institute/University.
• Maximum age limit 50 Years as on closing date to apply.
• Market competitive remuneration will be offered.

Skills

• Minimum 10 years of relevant experience in agriculture credit
• Minimum Bachelor degree from HEC recognized Institute/University (National/ International)
• Formulate, review, and update the Bank's Credit Policy and Credit Manual
• Develop and implement accessible agricultural credit policies and tailored delivery mechanisms
• 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
• 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
• Foster and maintain effective liaison with key stakeholders
• Implement and monitor the Bank's annual credit plan
• Prepare, implement, and monitor the Bank's annual credit plan
• Analyze and monitor regional disbursement performance, providing targeted support and guidance
• Conduct ongoing monitoring and evaluation of all operational credit schemes
• Manage the registration and approval of tractor manufacturers, suppliers, and models
• 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
• Prepare quarterly markup subsidy claims for the PM-Kissan Package – 2022
• Monitor the collection and repayment performance for accounts within the 1-89 Days Past Due (DPD) bracket

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
• 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
• 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

How to apply

• Application Method: Interested candidates are invited to apply online through the official ZTBL website.
• Application Link: Visit https://www.ztbl.com.pk/jobs to submit your application.
• Deadline: The last date to submit your application is 28th June, 2026. Successful candidates will benefit from these Banking jobs in Islamabad. Only online submissions will be accepted.
• Eligibility: Maximum age limit is 50 years as of the closing date. Market competitive remuneration is offered. ZTBL is an equal opportunity employer, encouraging applications from females and PWDs.
• Important Notes:
  • Only short-listed candidates will be contacted for interviews.
  • No TA/DA will be admissible for interviews.
  • The Bank reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.
  • An applicant dismissed, removed, or terminated by a previous employer(s) on disciplinary grounds is not eligible to apply.
  • An applicant convicted by any court of law is not eligible to apply.
• Contact Information for Queries: For any related queries, please contact Head (Recruitment & Selection) at ZTBL Head Office, Islamabad.
• Contact Number: 051-9252724

Successful candidates will benefit from these professional growth.

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