Policy Officer (OG - II / OG - I)

National Bank of Pakistan, 'The Nation's Bank', aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, NBP is seeking a Policy Officer in Risk Management based at Karachi. This is an excellent opportunity for talented and experienced professionals to contribute to the bank's growth and transformation into a future-fit, agile and sustainable institution.

Key Responsibilities

• • Analyze portfolio trends and behavior and propose changes in product programs accordingly
• • Review product programs from a risk perspective keeping in view organizational goals, regulatory requirements and risk appetite
• • Develop and test product program related credit score cards and propose changes where appropriate
• • Collaborate with Product, Risk, Business and Compliance teams to structure credit programs that balance growth objectives with prudent risk management
• • Monitor market trends, competitor practices and economic indicators to identify potential impacts on portfolio performance and recommend proactive policy adjustments
• • Support periodic reviews of product programs, including reassessment of customer segments, eligibility criteria, pricing structures and documentation requirements
• • Perform any other assignment as assigned by the supervisor(s)

Requirements

• ✓ EDUCATION: Minimum graduation or equivalent from a local or international university/college/institute recognized by HEC of Pakistan
• ✓ Master's degree and/or relevant certification(s) will be preferred
• ✓ EXPERIENCE: Minimum 2 years of experience in a Commercial Bank with at least 1 year in similar role in Credit Policy and/or Credit Risk and/or Consumer/SME/SBP schemes and/or Product Program based lending
• ✓ KNOWLEDGE: Sound knowledge of Consumer/SME or Agri financing policies/products, along with SBP Prudential Regulations
• ✓ SKILLS: Well-versed in MS Office, data handling and portfolio analysis

Skills & Expertise

What We Offer

• ✓ Contractual Position (3 years renewable)
• ✓ Competitive Compensation Package
• ✓ Benefits as per Bank's Policy
• ✓ Professional Development Opportunities
• ✓ Banking Industry Experience
• ✓ Work with Leading Bank
• ✓ Equal Opportunity Employer