Assistant Manager – Policy Consumer Secured Finance (AVP)

About the role

The National Bank of Pakistan is seeking an Assistant Manager – Policy Consumer Secured Finance (AVP) to join its Risk Management team in Karachi. The role involves shaping and maintaining secured consumer and agricultural product policies, ensuring they align with regulatory standards and market dynamics.

Key responsibilities

• Formulate, review and maintain policies for secured consumer and agricultural product programs.
• Set target markets, risk acceptance criteria, exposure limits, tenors and collateral norms.
• Collaborate with cross‑functional teams to embed consumer risk considerations into business decisions.
• Review amendments to product programs, SOPs, scorecards and risk models, recommending mitigation measures.
• Assess portfolio risk, recommend lending criteria, limits and approval requirements.
• Handle policy exceptions and ensure credit policies support sound decision‑making.

Required profile

• Minimum graduation; Masters or relevant certifications preferred.
• At least 6 years of banking experience, with 4 years in secured consumer policy, credit risk or product program lending.
• Strong knowledge of secured consumer, retail, Agri & SME financing and SBP regulations.
• Goal‑oriented, detail‑oriented with solid business acumen.

Required skills

• Proficiency in MS Office.