Exciting Career Opportunities in SME Banking at National Bank of Pakistan

Further Details

National Bank of Pakistan, a leading private sector bank, is seeking dynamic professionals for several government jobs in Karachi. These roles are essential to the expansion of the SME sector. Explore career advancement opportunities in General Financing, Collections & Recovery, and the Regional Management. These jobs in Karachi provide a competitive salary and excellent employment benefits package. If you are experienced SME banking professionals from Pakistan, this is the time to apply. The various positions available at National Bank of Pakistan emphasize the bank's commitment to inclusive development. Additionally, urgent hiring are available for qualified candidates. Explore rewarding roles that promise not only professional growth, but great financial opportunities as well. Apply within 10 days!

Job Vacancies at National Bank of Pakistan

National Bank of Pakistan, a leading financial institution, is offering exciting career opportunities for experienced and dedicated banking professionals. If you are interested in government jobs in Karachi within the banking sector, this is the perfect time to explore numerous job openings. Explore these private sector careers with competitive benefits. This private sector company is looking to expand its team across various departments, including SME financing, collection and recovery, marketing and strategic alliances, and regional management. These positions are key to the Bank's strategic growth. Take the next step in your career by joining the National Bank of Pakistan.

• Numerous exciting job opportunities available.
• Attractive salary packages and career growth potential.
• The recruitment process is designed to find capable and skilled employees.

Skills

• Strong understanding of SME, Commercial Financing, Trade Finance, Product Structuring, Banking Regulation and Market Dynamics
• Ability to lead a team
• Ability to manage multiple tasks, organize priorities and meet targets
• Proficient in MS Office Suite (Outlook, Excel, Word, PowerPoint)
• Strong understanding of Credit, General, Seasonal Lending, SBP PPs and Trade Finance
• Sound knowledge of Banking Regulations and Market Dynamics
• Sales management & strong interpersonal skills
• Geographical knowledge of the place of the posting
• Strong verbal and written communication skills
• In-depth knowledge of SBP Prudential Regulations and regulatory requirements related to Commercial & SME lending
• Advanced analytical thinking and variance analysis skills, with expertise in Power BI and Dashboard creation
• Strong interpersonal and communication skills for effective field coordination
• Data Modeling & Automation OLAP cubes, DAX/MDX/ETL Pipeline
• Proficient in the Data Modeling, Data Analytics & Reporting MS Office Suite, with expert-level skills in Excel and PowerPoint

Duties and Responsibilities:

• To lead the development and enhancement of SME financing products, programs, and policy frameworks aligned with business strategy and regulatory guidelines of the State Bank of Pakistan
• To design SME product structures including working capital, trade finance, seasonal financing, and specialized schemes, ensuring alignment with target segments and sectoral priorities
• To formulate and periodically review SME credit policies, product programs, and eligibility criteria to ensure consistent, clarity, and risk alignment
• To conduct market research, competitor benchmarking, and portfolio analysis to identify product gaps and introduce innovative SME financing solutions
• To collaborate with Risk, Credit, Compliance, and Business teams to ensure all policies and product programs are robust, compliant, and aligned with the Bank's risk appetite
• To evaluate regulatory changes and industry developments to proactively update policies and design compliant, future-ready SME product frameworks
• To perform any other assignment as assigned by the supervisor(s)
• To oversee and manage the SME General Financing portfolio, including working capital, trade-related, and general-purpose financing while ensuring balanced growth and strong asset quality
• To drive portfolio performance in alignment with approved targets, sectoral limits, risk parameters, and profitability objectives set by management
• To review and assign credit proposals, supervise credit analysts, ensure quality credit analysis, ensure quality and coordinate with RMG for timely approvals and resolution of credit-related matters
• To monitor portfolio utilization, yield generation, concentration risks, and overall performance to ensure portfolio sustainability and growth
• To support the Wing Head in setting annual business targets, portfolio strategy and sectoral allocation plans for SME Financing
• To support policy review, dissemination of procedures and implementation of credit guidelines across SME operations
• To facilitate capacity building of field staff through training, coaching and technical guidance on SME credit practices
• To manage overall team performance including appraisal processes, turnaround time monitoring, and productivity improvement initiatives
• To perform any other assignment as assigned by the supervisor(s)
• To develop and execute the SME Collections & Recovery strategy aligned with portfolio quality objectives, risk appetite, and regulatory framework of the State Bank of Pakistan
• To conduct regular portfolio reviews, delinquency trend analysis, and recovery performance tracking to identify gaps and implement corrective measures for improved recovery outcomes
• To strengthen early warning systems and proactive monitoring mechanisms to identify stress signals and initiate timely corrective actions
• To drive digitalization of SME collections through implementation of collection systems, dashboards, automated reminders, and analytics-driven strategies
• To lead, mentor, and develop SME collections teams across regions to build a strong, performance-driven recovery culture and enhance recovery efficiency
• To coordinate with credit, risk and legal functions to ensure effective resolution of non-performing exposures and recovery cases
• To ensure compliance with SBP regulations, internal policies, and recovery guidelines in all collections and recovery activities
• To perform any other assignment as assigned by the supervisor(s)
• To develop and execute SME Marketing & Strategic Alliances strategy aligned with business growth objectives, brand positioning, customer contact, and regulatory guidelines
• To lead the design and rollout of integrated marketing campaigns across digital, on-ground, and partner channels to enhance visibility of SME products and services, improve customer engagement and increase product penetration
• To build and manage strategic partnerships with corporates, fintechs, aggregators, chambers of commerce, trade bodies, and ecosystem players to generate sustainable alliance-driven business opportunities
• To conduct market research, competitor benchmarking, and customer insights analysis to refine value propositions, strengthen brand visibility, and support targeted growth initiatives
• To monitor marketing campaign performance and alliance outcomes, ensuring continuous improvements to maximize visibility, market presence, and business impact
• To coordinate with internal stakeholders including product, credit, and operations teams to ensure alignment of marketing initiatives with business delivery capabilities
• To ensure compliance with internal policies, regulatory requirements, and bank-wide branding standards across all marketing and all activities
• To perform any other assignment as assigned by the supervisor(s)
• To monitor PM productivity, performance, and efficiency metrics through structured dashboards and reporting tools
• To track targets versus actual performance on a daily, weekly and monthly basis, highlighting key variances and trends
• To identify underperforming regions, segments, and FMs, and recommend corrective actions for performance improvement
• To design, develop, and maintain interactive dashboarding using Power BI or Excel for performance monitoring
• To ensure timely updates of dashboards covering regional performance, RM productivity, and portfolio growth KPIs
• To standardize reporting formats and ensure consistency across all regions and business units
• To provide regular performance updates and actionable insights to Business Team and field leadership
• To support regional teams in understanding KPIs, metrics, and dashboard interpretation for better decision-making
• To coordinate with IT, Data, and Business teams to ensure seamless project delivery and alignment with business goals
• To ensure data integrity, accuracy, and consistency across all dashboards and reports
• To resolve data discrepancies proactively to maintain reliability of reporting systems
• To perform any other assignment as assigned by the supervisors(s)

How to apply

The National Bank of Pakistan invites applications for its various positions. Here’s how you can apply:

• 🌐 Visit the official website: www.sidatbyder.com.pk/careers.
• 🔎 Explore the available vacancies and assess the eligibility criteria for the desired role.
• 📝 Apply online through the career portal, completing the application form with all the required correct information.
• 💼 Attach your updated CV, all educational certificates, and experience documents.
• 📧 Ensure all information provided is accurate and verifiable, as applications received after the deadline will not be considered.
• 📅 The closing date for application submission is within 10 working days from the advertisement's publication date.
• ⚠️ Note: Only the shortlisted candidates that meet the eligibility criteria will be invited for a test and/or interview.

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