Career Opportunity at National Bank of Pakistan

Introduction NBP Bank 

The National Bank of Pakistan (NBP), one of the leading and largest banks in Pakistan, aims to support the financial well-being of the nation while enabling sustainable growth and inclusive development. With a vast local and international network of branches, NBP is significantly contributing to the socioeconomic growth of the country. The bank is seeking talented, dedicated, and experienced professionals for the following position in Risk Management based at Head Office, Karachi.

Position Details

Position: Chief Credit Officer (EVP)

Reporting to:

• Group Chief – RMG / Chief Risk Officer

Educational / Professional Qualification:

• Minimum Graduation or equivalent from a local or international university/college/institute recognized by the HEC.
• Candidates with a Master’s degree and/or any other relevant professional qualification will be preferred.

Experience:

• Minimum 20 years of overall banking experience with at least 12 years in managerial roles in senior leadership credit risk management.
• Preference for candidates with international experience.

Skills / Expertise / Knowledge Required:

• Superior credit risk assessment skills and judgment, including problem recognition and structuring solutions to complex credit issues.
• Experienced in remedial management situations.
• Ability to recognize and address major types of risk, including market and operational risks embedded in credit exposures.
• Proficiency in managing ambiguity in credit/business issues, developing solutions to difficult credit requests, soliciting industry/product expertise, managing conflicts, and handling unpopular credit decisions.
• Decisive action in time-sensitive situations, good judgment, and effective decision-making in high-stress environments.
• Strong communication skills, both verbal and written, to interact with internal and external clients.
• Comprehensive understanding of the processes and drivers for computing expected/unexpected credit losses, including debt rating models/scorecards, classification, IFRS 9 methodologies, Basel parameters, and their implications for loan loss reserves, regulatory/economic capital, and stress losses.
• Knowledge of legal documentation associated with credit/market risk, portfolio restructuring, and complex credit transactions.
• Enhanced communication skills to concisely address key issues and provide solutions to senior management and key clients.
• Full conversancy in credit policy/risk principles and credibility in risk management culture.

Main Duties/Responsibilities:

• Review credit proposals for Corporate, Commercial, and SME clients and recommend approval to the Credit Committee and Chief Risk Officer after appropriate structuring and sizing in line with the Bank’s Risk Appetite Framework (RAF).
• Present credit proposals in the credit committee, ensuring all key concerns and issues are rigorously addressed.
• Ensure compliance of credit proposals with RAF, ratings policy, classification, and SBP guidelines.
• Ensure consistent and rigorous implementation of portfolio management, risk appetite, early problem recognition, classification policies, etc., across assigned client segments.
• Oversee all SBP engagements on regulatory issues pertaining to the end-to-end credit risk management process of the Bank.
• Coordinate the development and presentation of industry credit reviews for key sectors, ensuring appropriate target market focus and risk appetite.
• Engage broadly in leadership roles with business stakeholders in the development of various risk policies, procedures, ratings, stress-testing tools, risk appetite frameworks, etc.
• Develop and implement structured portfolio management and risk appetite frameworks at institutional and sector levels.
• Review and approve credit proposals from Business Groups and ensure submission of high-quality proposals to the Credit Committee and/or BoD as appropriate.
• Formulate credit and risk policies and procedures and communicate them throughout the organization with BoD approval where required.

Application Process

• Type of Employment: Contractual basis for three years, renewable at the discretion of the Management.
• Compensation Package: Offered as per Bank’s Policy/rules.
• Application Deadline: Within 10 working days from the date of publication of this advertisement.
• How to Apply: Visit www.sidathyder.com.pk/careers and apply online as per the given instructions.
• Note: No TA/DA will be admissible for the interview.

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