Credit Operation VP-I/VP at Zarai Taraqiati Bank Limited (ZTBL) Islamabad

Further Details

Zarai Taraqiati Bank Limited (ZTBL) is now recruiting in Islamabad. Apply for the position of Credit Operation VP-I/VP. The required qualification is Bachelor. This role is within the Banking industry. A bachelor degree is preferred. The application process commenced on 15 June, 2026 via Advertisement Image. Interested and eligible candidates must submit their applications before the deadline on 28 June, 2026. This is a prime opportunity to join a renowned organization. For a step-by-step application guide and full eligibility criteria, please see the official advertisement on https://www.jobseed.pk.

Credit Operation VP-I/VP at Zarai Taraqiati Bank Limited (ZTBL)

We have an immediate opening for the post of Credit Operation VP-I/VP. The job location is Islamabad.

Key Requirements:

• Qualification: Bachelor
• Vacancies: 01

This is a fantastic chance to work with a reputed organization and grow professionally.

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

How to Apply for Credit Operation VP-I/VP:

• 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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