About the role
Our client National Bank of Pakistan is looking for a Unit Head – Digital Consumer & SME Financing (Agri & LOS) (AVP / VP) in Karachi
"The Nation's Bank", National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future-fit, agile and sustainable Bank.
In line with our strategy, the Bank is looking for talented, dedicated and experienced professional(s) for the following position inthe area of Digital Banking based in Karachi.
The individuals who fulfill the below basic-eligibility criteria may apply for the following position:
Position / Job Title:
Unit Head Digital Consumer & SME Financing (Agri & LOS) (AVP / VP)
Reporting to:
Wing Head Digital Lending
Educational /Professional Qualification:
- Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
- Candidates having a Masters degree in Finance / Business Management / Economics / Agriculture / Digital Banking and /or related fields would be preferred
- Certifications in Digital Lending / SME Lending / Agri Finance / Credit Risk / Data Analytics / Fintech would be preferred
Experience:
- Minimum 06 years of experience in Credit Management and / or Relationship Management and / or Credit Analysis and / or Credit Administration and / or Credit Underwriting and / or Portfolio Management and / or Development of Fintech Eco-system in Financial Institution and / or Software House and / or I.T Firm
- Preference would be given for experience in:
- Agri-lending models (input financing, EWR, grower financing, tractor / implement financing)
- Women SME programs, SBP refinance schemes, and subsidized financing initiatives
- Digital credit scoring, alternate data evaluation, Raast-based scoring ecosystems
- Partnerships with Agri-tech firms, fintechs, microfinance institutions, and corporate value chains
- Working with Risk, Credit, CAD, Compliance, IT, Information Security, Legal & Operations
Other Skills / Expertise / Knowledge Required:
- Strong knowledge of banking regulations, SBP guidelines, KYC / AML, Outsourcing Framework, and Cloud Hosting requirements
- A clear understanding of the SBP regulatory frameworks includes:
- SME Financing
- Agri Finance Prudential Regulations
- Digital Lending Framework
- Cloud Outsourcing & Data Privacy
- KYC / AML / CFT requirements
- Strong knowledge of digital lending platforms, LOS, LMS, scoring engines, and decision workflows
- Data analytics skills (MIS, dashboards, portfolio segmentation, EWS reporting)
- Excellent interpersonal skills for anchor / partner management with Fintechs, Agri-techs, and corporate aggregators
- Strong writing, documentation, and presentation skills
- Ability to drive multi-dimensional projects with tight deadlines
- Understanding of digital channels (mobile banking, WhatsApp banking, online applications, API-driven journeys)
Outline of Main Duties / Responsibilities
:
Product Development & Digital Lending Innovation
- To lead the design and launch of digital lending products for:
- Consumer finance (personal loan, micro-loans, nano-credit)
- Commercial & SME finance (working capital, micro-SME, Women SME)
- Agri finance (production loans, EWR, input finance, tractor finance)
- To develop Product Programs, SOPs, credit journeys, and policies in line with SBP requirements
- To deploy automated customer journeys with digital onboarding and e-KYC
Business Growth & Portfolio Management
- To drive asset growth and portfolio quality in consumer, SME, women-led SMEs, and agri segments
- To identify high-potential sectors and geographic areas for expansion
- To improve approval rates through alternate data models, scoring tools, and digital analytics
- To develop dashboards and MIS for management review
Stakeholder & Partner Management
- To manage partnerships with:
- Agri-tech firms
- Fintech lending platforms
- Market aggregators and corporate value chains
- Women SME networks & chambers
- To enable integration with digital platforms (APIs, LOS / LMS) through IT & vendor coordination
Regulatory Compliance & Risk Governance
- To ensure full alignment with:
- SBPs Prudential Regulations for SME & Agri
- SBP schemes (e.g., Women Entrepreneurship Schemes, Agri Refinance)
- Digital transaction security standards
- Customer protection, responsible lending practices
- To ensure proper documentation, data privacy, and secure handling of customer information
Operational Oversight & Service Quality
- To manage end-to-end loan processing workflow (application, verification, approval, disbursement)
- To ensure adherence to Turnaround Time (TAT) and customer service SLAs
- To implement early warning systems and portfolio monitoring mechanisms
Credit & Risk Coordination
- To collaborate with Credit and Risk for underwriting, policy alignment, and risk assessments
- To support development of digital scorecards, credit limits, and automated decision rules
- To ensure timely closure of audit recommendations
- To maintain complete traceability of loan files, digital trails, and operational logs
- To strengthen internal controls in digital lending operations
Governance, Audit & Internal Controls Team Leadership
- To supervise Digital SME, Agri, and Consumer Lending staff within the unit
- To build capacity through coaching, training, and knowledge sharing
- To perform any other assignment as assigned by supervisor(s)
Place of Posting:
Karachi
Assessment Interview(s)
Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteriawill be invited for panel interview(s).
Employment Type:
The employment will be on contractual basis for three years which may be renewed ondiscretion of the Management. Selected candidates will be offered compensationpackage and other benefits as per Banks Policy / rules.
Apply within 10 working days from the date of this job posting.
Applications received after due date will not be considered in any case. No TA / DA will be admissible for interview.
National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.
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