Assistant Manager - Policy Consumer Unsecured Finance (AVP)

About the role

The Assistant Manager will be responsible for formulating, reviewing and maintaining policies for unsecured consumer and agricultural product programs. The role involves setting risk criteria, exposure limits and ensuring compliance with regulatory requirements.

Key responsibilities

• Formulate, review and maintain policies for unsecured consumer and agricultural product programs.
• Set target market, risk acceptance criteria, exposure limits, tenors and collateral norms.
• Review and analyze policies and product programs submitted by business groups.
• Collaborate with cross‑functional teams to embed consumer risk considerations into decision making.
• Assess portfolio risk and recommend lending criteria, limits and risk mitigants.
• Review policy exceptions and provide recommendations based on risk considerations.

Required profile

• Minimum graduation; Masters degree preferred.
• At least 6 years of banking experience, including 4 years in unsecured consumer policy, credit risk or product program lending.
• Sound knowledge of unsecured consumer, retail, agricultural and SME financing policies and SBP regulations.
• Goal‑oriented, detail‑oriented with strong business acumen.

Required skills

• Proficiency in MS Office.