Job Details

• Department: Aitemaad Islamic Banking

• Position Title: Credit Operations Manager

• Grade: OG-I

• Number of Positions: 01

• Reporting To: Branch Operations Manager

• Employment Type: Contractual (3 years, renewable at the discretion of Management)

National Bank of Pakistan (NBP), known as “The Nation’s Bank,” aims to support the financial well-being of the nation while enabling sustainable growth and inclusive development through its extensive local and international branch network.

As one of Pakistan’s leading and largest banks, NBP contributes significantly to the country’s socioeconomic growth and is committed to transforming itself into a future-fit, agile, and sustainable institution.

In line with its strategic objectives, NBP invites applications from talented, dedicated, and experienced professionals for the following position in Aitemaad Islamic Banking.

Eligibility Criteria

Educational Qualification

• Minimum Graduation or equivalent from a local or international university, college, or institute recognized by the Higher Education Commission (HEC) of Pakistan.

• Candidates holding a Master’s degree, Islamic Banking certification, degree, or diploma will be preferred.

Experience

• Minimum 4 years of banking experience.

• At least 1 year of experience in Credit, Advances, and/or Retail Banking.

Required Skills and Competencies

• Strong people management skills.

• Knowledge of banking products, policies, and procedures.

• Excellent verbal and written communication skills.

• Proficiency in MS Office and databases.

• Sound knowledge of Islamic Banking.

• Sales skills and strong interpersonal abilities.

• Ability to manage multiple tasks, prioritize work, and achieve targets.

Key Responsibilities

The selected candidate will be responsible for the following duties:

1. Ensure accurate accounting entries for the disbursement and adjustment of transactions according to approved terms, facility offer letters, credit memos, meeting minutes, Disbursement Authorization Certificates (DACs), and prescribed procedures.

2. Execute accruals, repricing, profit calculations, rental realization, monitoring, and correspondence for advances and corporate Sukuk maintained at the branch, in coordination with the Relationship Manager (RM).

3. Ensure that all advances and investment disbursements remain within approved limits.

4. Post all required entries in ALMANAC (LMS) and PD Teller, and maintain accurate balances and subsidiary ledgers for advances and Islamic financing and investment products, including Istisna, Tijarat, Salam, and Murabaha.

5. Coordinate with customers and relevant stakeholders, including the RM and Credit Administration Department (CAD), regarding upcoming and overdue payments, aging, finance recovery, profit, rentals, and Takaful or insurance policies.

6. Safeguard financing and security documents, including original insurance policies, during the interim period between disbursement and handover to CAD.

7. Execute entries related to advances and investments as instructed by the Pool Management Division of Aitemaad Islamic Banking Group (AIBG).

8. Ensure accuracy, proper balancing, reconciliation, and error-free processing of all credit operations.

9. Assist internal and external auditors during branch audits, facilitate rectification of observations, and provide reports concerning the advances and investment portfolio in coordination with the RM, Unit Head, and CAD officer.

10. Prepare monthly, quarterly, and annual statements relating to advances and investments, including ECIB and F-256 reports.

11. Maintain confidentiality and transparency in managing the credit portfolio.

12. Address customer queries and issues while ensuring that branch customer service meets the required standards.

13. Maintain shadow credit files and complete documentation records, including scanned copies, in coordination with the RM and CAD for internal, external, financial, management, Shariah, and State Bank of Pakistan (SBP) audits.

14. Ensure compliance with applicable banking laws, regulations, instructions, Standard Operating Procedures (SOPs), and Shariah requirements related to credit operations.

15. Prepare monthly General Ledger (GL) certificates and obtain the required signatures from Relationship Managers.

16. Ensure timely resolution of internal and external audit observations and implement corrective measures to prevent recurrence in coordination with the RM and CAD.

17. Ensure that all operational processes are completed within the prescribed Turnaround Time (TAT).

18. Perform any other duties assigned by the supervisor(s).

Selection Process

• Only shortlisted candidates who strictly meet the specified eligibility criteria will be invited for an assessment test and/or panel interview.

• No TA/DA will be admissible for the test or interview.

Employment Terms and Benefits

• Contract Duration: 3 years.

• Renewal: May be renewed at the discretion of Management.

• Compensation and Benefits: As per the Bank’s applicable policies and rules.

How to Apply

Interested and eligible candidates should apply online through the official recruitment portal by following the application instructions provided there.

• Application Method: Online application.

• Applications received after the closing date will not be considered.

Equal Opportunity Employer

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.

Important Note: Applicants should carefully review the eligibility requirements and submit their applications within the prescribed deadline. The position is based in Karachi.