ZTBL Jobs 2025 – Latest Zarai Taraqiati Bank Limited Career Opportunities | Apply Online

Zarai Taraqiati Bank Limited (ZTBL) has officially announced its Latest Jobs 2025, inviting applications from dynamic, high-performing, and career-oriented professionals across Pakistan. With a nationwide branch network, ZTBL plays a crucial role in the growth and modernization of Pakistan’s agriculture sector, and its recruitment drive aims to hire skilled individuals capable of contributing to institutional excellence.

The newly advertised ZTBL career opportunities span across Risk Management, Credit Administration, Finance, Information Security, Operations, and Compliance. Each position offers a highly competitive compensation package along with excellent growth potential.

This comprehensive article covers:
✔ Complete job descriptions
✔ Required qualifications and experience
✔ Key responsibilities
✔ Eligibility criteria
✔ How to apply online
✔ Most frequently asked questions (FAQs)

Latest ZTBL Jobs 2025 – Overview

ZTBL is seeking professionals for senior and mid-level roles across multiple departments. The available vacancies include:

• Head Operational Risk Unit (VP/AVP)
• Unit Head – Implementation CAD (AVP/VP)
• Unit Head – Monitoring CAD (AVP/VP)
• Manager IFRS-9 & Risk Analytics (AVP/AVP)
• Officer Credit Administration (OG-I/II)
• Operational Risk Analyst (OG-I)
• Operation Risk Analyst (OG-II)
• Environment Risk Officer (OG-I)
• Officer Credit Risk Review (OG-I)
• MSL Risk Analyst (OG-II)
• Penetration Tester (OG-II)
• GRC Officer – Information Security, Governance, Risk & Compliance (OG-II)

ZTBL Jobs 2025 – Detailed Job Descriptions & Requirements

Below is a complete breakdown of responsibilities and qualifications for each job category.

1. Head Operational Risk Unit – ZTBL Jobs 2025

Key Responsibilities

• Lead operational risk strategies nationwide.
• Implement Basel frameworks and risk-based banking practices.
• Oversee risk mitigation plans, internal controls, and compliance.
• Conduct operational risk reviews and ensure risk governance.
• Coordinate with internal audit teams for timely reporting.

Required Qualifications & Experience

• Minimum 10 years in banking/financial risk management.
• Strong command over SBP regulations, Basel standards, and banking risk policies.
• Bachelor’s degree from an HEC-recognized institution.

2. Unit Head – Implementation CAD (AVP/VP)

Responsibilities

• Ensure compliance with credit administrative controls.
• Monitor credit administration units nationwide.
• Develop workflows and improvements for credit policies.
• Oversee facility documentation and credit verification.
• Evaluate turnaround times and maintain service quality.

Qualification

• Bachelor’s degree (Master’s preferred).
• Minimum 9 years banking experience with CAD exposure.

3. Unit Head – Monitoring CAD (AVP/VP)

Responsibilities

• Monitor performance of credit admin units.
• Verify legal documentation, loan applications, and security.
• Analyze periodic reports from regional offices.
• Coordinate branch-level corrective actions.
• Support internal and external audits.

Qualification

• Bachelor’s degree with 9+ years banking experience.

4. Manager IFRS-9 & Risk Analytics – ZTBL Risk Management Jobs

Responsibilities

• Prepare IFRS-9 modeling, reporting, and MIS.
• Maintain financial risk frameworks aligned with SBP.
• Support audits, reconciliations, and provisioning models.
• Prepare PD/LGD/EAD modeling reports.

Qualification

• Bachelor’s degree in Finance, Accounting, or Economics.
• ACCA/CA/CFA qualification is preferred.
• Minimum 8 years professional experience.

Mid-Level ZTBL Jobs 2025

5. Officer Credit Administration (OG-I/II)

Responsibilities

• Monitor workflows of credit administration units.
• Ensure compliance with credit documentation.
• Maintain MIS reports and credit turnaround data.

Qualification

• Bachelor’s degree; 6 years banking experience preferred.

6. Operational Risk Analyst (OG-I and OG-II)

Responsibilities

• Conduct risk analysis and prepare operational risk reports.
• Review products, processes, and risk profiles.
• Coordinate with audit, compliance, and field offices.
• Maintain risk databases and internal control frameworks.

Qualification

• Bachelor’s degree with 7+ years experience (OG-I).
• Bachelor’s degree with 10 years experience (OG-II).

7. Environment Risk Officer (OG-I)

Responsibilities

• Conduct environmental & social risk assessments.
• Assist in implementing the Environmental & Social Risk Management framework.
• Conduct branch inspections & environment audits.
• Prepare E&S screening reports.

Qualification

• Bachelor’s degree; 3+ years experience.

8. Officer Credit Risk Review (OG-I)

Responsibilities

• Conduct credit portfolio reviews and ensure policy compliance.
• Validate borrower assessments, collateral, and repayment capacity.
• Analyze agricultural credit requirements and risk strategies.
• Prepare periodic risk review reports for management.

Qualification

• Bachelor’s degree with 6 years experience.

9. MSL Risk Analyst (OG-II)

Responsibilities

• Prepare MSL risk dashboards and liquidity reports.
• Contribute to ALCO Pack preparation.
• Analyze asset-liability risk and treasury exposures.
• Prepare VAR, sensitivity, and stress-testing reports.

Qualification

• Bachelor’s degree with 3 years market risk experience.

10. Penetration Tester (OG-II) – ZTBL IT Jobs 2025

Responsibilities

• Perform penetration testing of networks and applications.
• Identify security vulnerabilities and recommend mitigations.
• Implement cybersecurity testing scripts and reporting.
• Support SOC and IT security governance teams.

Qualification

• Bachelor’s in IT/CS with 3+ years in penetration testing.

11. GRC Officer (Information Security) – OG-II

Responsibilities

• Implement information security governance and compliance.
• Maintain cybersecurity documentation and frameworks.
• Conduct security risk assessments.
• Support business continuity and disaster recovery planning.
• Develop cybersecurity awareness programs.

Qualification

• Bachelor’s in IT/CS; 2–3 years relevant experience.
• Knowledge of ISO standards is preferred.

Eligibility Criteria for ZTBL Jobs 2025

• Age limits:
  • VP/AVP: 45 years
  • AVP/VP: 45 years
  • OG-I: 40 years
  • OG-II: 35 years
• Only shortlisted candidates will be contacted.
• Government employees must apply through proper channel.

How to Apply Online for ZTBL Jobs 2025

Interested applicants can apply online through the official ZTBL career portal:

👉 www.ztbl.com.pk/jobs

Application Deadline: 07 December 2025

Only online applications are accepted. Incomplete or late submissions will not be considered.

Why Choose ZTBL Careers?

• Competitive market-based salary
• Strong career growth in banking sector
• Job stability with government-backed institution
• Continuous training & professional development
• Opportunity to contribute to Pakistan’s agricultural transformation

Frequently Asked Questions (FAQs) – ZTBL Jobs 2025

1. What is ZTBL and why is it important?

Zarai Taraqiati Bank Limited (ZTBL) is Pakistan’s premier agricultural development bank, providing financial services to farmers and agribusiness sectors. It plays a crucial role in rural economic development.

2. How can I apply for the latest ZTBL Jobs 2025?

You can apply online by visiting ZTBL’s official career portal at www.ztbl.com.pk/jobs and filling out the application form before the deadline.

3. What is the deadline for ZTBL job applications?

The last date to apply is 07 December 2025.

4. Are these permanent positions?

Yes, all positions are regular / permanent with market-competitive salaries.

5. Can fresh graduates apply?

Most vacancies require 2–10 years experience, but fresh graduates may apply for junior roles when advertised separately.

6. What educational qualification is required?

A Bachelor’s degree from an HEC-recognized university is mandatory for all jobs; some roles prefer Master’s degrees or professional certifications.

7. Does ZTBL offer bank-wide training programs?

Yes, ZTBL provides continuous professional development, training workshops, and certifications for skill enhancement.

8. What is the age limit for ZTBL positions?

The age limit varies:

• VP/AVP Up to 45 Years
• OG-I Up to 40 Years
• OG-II Up to 35 Years

9. Will shortlisted candidates be interviewed?

Yes, only shortlisted applicants are contacted for written tests or interviews.

10. Is ZTBL a government bank?

Yes, ZTBL is a government-owned specialized financial institution.

Final Thoughts

ZTBL’s Latest Jobs 2025 present exceptional opportunities for professionals seeking long-term careers in Pakistan’s banking and agricultural finance sector. With roles in risk management, credit administration, compliance, IT security, and operations, applicants from diverse fields can find positions matching their skills.

If you meet the eligibility criteria and aspire to work in a stable, growth-oriented institution, ZTBL is one of the best career choices in the banking industry.