Wing Head - Risk Review (VP / SVP)

About the role

The Bank seeks a senior professional to lead its Risk Review Wing, overseeing independent reviews of SME and commercial credit approvals and ensuring compliance with internal policies and regulatory standards.

Key responsibilities

• Lead the Risk Review Wing responsible for independent review of SME and Commercial credit approvals processed under delegated authorities.
• Conduct post‑approval reviews to assess compliance with internal credit policies, delegated approval authorities, and SBP Prudential Regulations.
• Identify policy deviations, documentation deficiencies, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, recommending corrective actions.
• Monitor portfolio quality, approval trends, exception patterns, and early warning indicators, and submit periodic risk review reports to senior management.
• Recommend enhancements to credit policies, approval processes, delegation framework, and risk controls based on findings.
• Ensure timely closure of risk review observations and monitor implementation of corrective actions across regions and hubs.
• Lead, mentor, and develop the Risk Review team while ensuring timely completion of reviews.

Required profile

• Minimum 10 years of banking experience, with at least 7 years in Credit Risk Management, Credit Approvals, Credit Review, Commercial Banking or SME Banking.
• Hands‑on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance and policy implementation.
• Strong analytical, investigative and report‑writing skills.
• Leadership, stakeholder management and decision‑making abilities.

Required skills

• Strong knowledge of commercial and SME credit risk assessment.
• Thorough understanding of State Bank of Pakistan (SBP) Prudential Regulations and internal credit policies.
• Knowledge of delegated credit approval framework and post‑approval review processes.