We require the services of energetic and zealous individuals having commercial banking experience to join team of professionals at our HO and some of the branches. The bank is currently operating with 13 branches located in nine major cities including Islamabad, Lahore, Karachi, Rawalpindi, Sialkot, Gujranwala, Quetta, Peshawar, and Faisalabad.

The positions are:

Head Internal Audit

Major Responsibilities
  • Plan, implement and evaluate short and long-term objectives of Internal Audit function, discuss with the subordinates regarding the strategies to be adopted in conducting the audit and resources required for completion of the assignments in a timely manner.

  • Prepare annual plan for the Internal Audit function envisaging the strategy in consultation with In charges of Internal Auditor and IS Audit functions and submit the same to the Board Audit Committee for review and approval.

  • Guide the subordinates in devising an annual internal audit strategy for the SME Bank, determine the priority of audits and assign staff accordingly to support achievement of the Bank’s mission and vision in an efficient manner.

  • Review the report prepared by the subordinates highlighting procedural / systems shortcomings and their observations made during the audit of the respective functions of the Bank at Head Office as well as at branches, discuss these findings Board Audit Committee or BOD, CEO and coordinate with respective functional heads / branch managers in initiating necessary action for their rectification.

  • Carry out redundancy analyses and assess idle capacity variances by reviewing functioning of divisions, departments of the Bank to analyse if they are achieving their respective divisional or departmental missions, which serve as the reasons for their existence, and visions entrusted to them.

  • Perform as an active member of the Board Audit Committee; answer any queries of divisions, departments relating to internal control or procedural requirements, analyse such situations, generate options and provide workable solutions to the issues and problems; keep the Board Audit Committee informed about such developments.

  • Member of a recognized body of professional accountants; or Certified Internal Auditor; or Certified Fraud Examiner; or Certified Internal Control Auditor; or Master degree in Finance from HEC recognized university.

  • At least five years relevant audit experience with a commercial bank/financial institution.

Chief Financial Officer

Major Responsibilities
  • Formulate / review financial and accounting policies and procedures with a view to increase productivity and to match with the changing business as well regulatory requirements and seek approval of the CEO/BOD for implementation.

  • Ensure consolidation and preparation of statutory financial statements i.e. Balance sheet, Profit and loss Accounts, cash flows etc. in accordance with the requirements of State Bank of Pakistan, the Banking Companies Ordinance, 1962, the Companies Ordinance, 1984, International Accounting Standards and Statements by the Standing Interpretations Committee as adopted by ICAP and approved by the SECP as well as all other applicable circulars, notifications, amendments, best-practice statements and judgments of external auditors with respect to specific financial reporting issues.

  • Manage timely submission of all statutory returns to SECP, SBP and other regulatory bodies after completing necessary requirements, report changes therein to the regulatory authorities within the prescribed time frame to meet the regulatory requirements and avoid penalty(ies).

  • Develop effective procedures to monitor the Bank’s portfolios in advances, deposits and repayments in light with the changing economic and regulatory environments with a view to ensure that the assets do not fall below their recorded recoverable values and liabilities are segregated and classified correctly to ensure optimum usage of bank’s funds and maximum trade-off between risk and reward and identify deposits and advances, which have served their purpose and initiate steps for recovery as these are the functions of credit and commercial banking divisions.

  • Coordinate with Head of Treasury function in developing policies for long, medium and short term fund requirements and monitor the transfer of funds between various bank accounts, deposit accounts as well inter branch accounts.

  • Instruct subordinate to file returns and other documents with the Registrar of Companies – SECP within prescribed period along with fee as per Companies Ordinance

    • Annual return (Form-A)
    • Appointment/Change of Chief Executive, Secretary, Accountant, Auditor and Legal Advisor.(Form 29)
    • Copies of annual accounts
    • Return of Allotment of shares
    • Return of Special Resolutions
    • Any other returns as applicable and required by law.
  • Draft amendment(s) in the Memorandum of Association and Articles of Association as per instructions issued by the members and the BoD in accordance with the procedure laid down in the Companies Ordinance, 1984, submit approval by the competent authority for such amendments with the regulatory bodies and disseminate the same to whosoever is entitled to receive such amendments; update Memorandum and Articles of Association.

  • Chartered Accountant/Cost & Management Accountant

  • At least three years work experience of similar position preferably with a commercial bank/financial institution.


Head Systems & Operations

Major Responsibilities
  • Develop strategies and plans for operations of the Bank and devise the policies and procedures after obtaining input from all relevant functional heads, for their implementation.

  • Review operational procedures of the Bank, revise/update standard operations manuals and distribute among the user departments/units and also prepare concise standard Desktop Procedures/workflows to supplement operation manuals.

  • Design, implement, a system to monitor compliance with key internal controls within the function, periodically review and approve amendments to ensure timely resolution of inconsistencies highlighted, if any in a prompt manner and instruct subordinate to retain revisions in a methodological manner.

  • Create and implement service quality and performance standards and introduce measures to enhance the concept of customer focus and arrange for necessary training of operations staff to reinforce customer focus.

  • Periodically review the management reports to ascertain the performance of the branches and take corrective measures for improvement.

  • Develop and establish a nationwide operating infrastructure comprising of commercial banking branches in accordance with the business plan of the Bank considering needs and opportunities in SME sector and determine the size of the proposed branch(es) in accordance with the expected business volume.

  • Monitor the performance review of operations at branches and ensure that steps are taken to enhance the overall level of performance in a timely and effective manner as per the laid down policies and procedures of Bank.

  • Arrange for maintenance of proper branch network and ensure that branches are properly equipped and have necessary infrastructure to facilitate the smooth functioning of the day-to-day operations.

  • Instruct subordinates for timely resolution of customer queries and issues in a prompt and effective manner and maintain a log to indicate the number and type of queries generated and the decisions taken by the superior for their rectification for future reference.

  • Conduct review of services offered, analyze the observations / findings and suggest changes to meet customer needs and expectations, and ensure appropriate controls are implemented to mitigate risks.

  • Supervise day-to-day activities of banking branches and ensure that all the required management and financial reports are submitted by the concerned officials of the branches, within the specified time period for review.

  • Direct, delegate and control the activities in an effective and professional manner, which are assigned to ensure that continuity is maintained in the provision of proper operational support to various departments/branches in the Bank.

  • Ensure proper reporting of statements at branch and HO level to/from all agencies.

  • Graduate: preferably MBA (Finance or Banking), M.Com, M.A Economics with Banking Diploma.

  • Minimum 12 years of work experience with at least 6 years in a similar function in a medium to large financial institution.

Chief/Branch Managers

Major Responsibilities
  • Overall responsibility of business development, achievement of the business goals and supervision of the administrative affairs of the branch.

  • Monitor adherence to SBP regulations as well as Bank’s policies and procedures.

  • Manage all functions within the branch including all aspects of general banking activities, service, and operations, through effective communication and implementation of new/revised policies, procedures, and products/services.

  • Graduate: preferably MBA in Finance or Banking, Masters in Commerce or Economics)

  • Preferably 3 years of experience in a similar position with a reputable commercial bank

  • Age up to 50 years; relaxable for exceptional candidates with proven track record.

CAD Managers

Major Responsibilities
  • Manage the credit administration function at the branch and coordinate with other functional in charges for ensuring smooth execution of day-to-day activities of the credit administration function in an effective and efficient manner.

  • Check documentation of the approved loan applications received from the credit marketing function, ensure that the approval is sanctioned by the designated official within prescribed limits delegated by the Board or refer the case to the superior for further processing.

  • Check documents submitted along with the credit proposal of significant loans to authenticate their validity for safeguarding Bank’s interests against future default by the borrower by recovering the loan amount through liquidating these collaterals.

  • Coordinate with legal function in obtaining legal opinion as and when required to ensure the authenticity of the borrowing party as well as the credit to be extended in case of significant loans, and facilitate the legal advisor in all possible ways to help in protecting the interests of the Bank.

  • Ensure that all legal documentation is submitted by the applicant, arrange proper registration of collaterals, verify and physically authenticate the loan security quoted in the credit proposal by the applicant, engage valuation firms for assessing fair value of the assets being mortgaged before approving the loan application.

  • Ensure compliance of the policies and procedures in disbursing the loans duly approved by the credit committee or Head of M&BD function, check the disbursement schedule and communicate the same to the concerned section for crediting the approved amount into the respective party’s account as per agreed schedule.

  • Ensure safekeeping of all the documents related to the approved loan i.e. loan application, collaterals / securities documents submitted by the borrower in the vault after recording of the particulars in the respective vault register.

  • Constantly monitor activities after the disbursement of the loan, to ensure that adequate security margins are maintained till the loan is recovered, and refer to immediate supervisor in case security margins fall short of the desired level, so that necessary action can be taken.

  • Follow-up with the borrowers for timely repayment of the loans, classify the overdue cases as per the laid down policies of the Bank and report default cases to the Head Office for provisioning and initiation of legal action against the defaulters.

  • Carry out work in accordance with the instructions of the supervisor and established guidelines and procedures of the Bank and provide periodic reports / information to the management in an effective and efficient manner to facilitate them in decision-making.

  • Graduate: preferably MBA in Finance or Banking, Masters in Commerce or Economics.

  • Preferably 3 years of experience in a similar position with a reputable commercial bank

  • Age upto 45 years

Credit Risk Managers

Major Responsibilities
  • Overall responsibility is to analyze financing proposals according to the risk acceptance criteria of the Bank, prudential regulations and other regulatory requirements

  • Assessing business, financial risks relative to each customer/proposal and accordingly award risk rating to each proposal.

  • Analysis of loan portfolio of the branch

  • MBA, MPA, M.Com., ACMA

  • Preferably three years working experience in Credit/Risk Management Department of a commercial bank at similar position.

  • Age up to 45 years. Relaxable for exceptional candidates having proven track record

Credit Officers

Major Responsibilities
  • Identification and soliciting of business.

  • Appraisals of business proposals

  • Marketing of full range of business products.

  • Maintaining liaison with the bank customers and preparing a periodical assessment reports in respect of business of the customers.

  • Recovery/Monitoring of loans

  • Maintaining liaison with existing customers /potential and explore new business venues

  • Identify projects that are viable and feasible.

  • MBA/MPA/MAS with major in Marketing and Finance.

  • Minimum two years working experience in Preparation/Analysis of Credit Proposals with a leading commercial Bank.

Information System Security Manager (Head Office-Islamabad)

Major Responsibilities
  • Serves as an internal information security consultant to the organization

  • Documents security policies and procedures created by different Information Security Committee(s) of the Bank

  • Provides direct training and oversight to all employees, or other third parties, ensuring proper information security clearance in accordance with established organizational information security policies and procedures

  • Initiates, facilitates, and promotes activities to create information security awareness within the organization

  • Perform information security risk assessments and serves as an internal auditor for security issues

  • Implements information security policies and procedures for the organization

  • Reviews all system-related security plans throughout the organization’s network, acting as a liaison to Information Systems

  • Monitors compliance with information security policies and procedures, referring problems to the appropriate department manager

  • Coordinates the activities of the Information Security Committee(s) of the bank

  • Advises the organization with current information about information security technologies and related regulatory issues

  • Monitors the internal control systems to ensure that appropriate access levels are maintained

  • Facilitate other functions to review or amend the disaster recovery plan

  • Performs all duties and responsibilities as assigned by management.

  • Bachelor’s degree or equivalent in Computer Science. Preferably CISSP/CISM accreditation or equivalent.

  • 10 Years Experience with a minimum of three year in a similar position in a Commercial Bank for Bachelor Degree Holders or 7 Years of Experience with a minimum of three year in a similar position in a Commercial Bank for Master Degree Holders

e-Banking Officer (Head Office, Islamabad)

Major Responsibilities
  • Responsible for day to day smooth operations of the ATM Switch systems to ensure least down time.

  • Responsible for day to day smooth operations of the Online Banking systems to ensure least down time.

  • Consolidate the ATM cards request data files received from branches.

  • Forward the consolidated ATM cards request data file to Mnet after approval from dept. Head MIS

  • Import into Database the ATM cards data file received from MCB.

  • Activate the customer cards on confirmation from Operations Division.

  • Provide responsive and solid remote/onsite technical support in application installation and configuration, replication and diagnosis of customer problems via email and phone

  • Trouble-shoot problems on the ATM switch

  • Resolve issues related to ATM cards.

  • Maintains related files and control records.

  • Help develop support infrastructure and improve internal support tools.

  • Must continue to develop technical expertise in in-house developed and procured product lines.

  • Follow laid down MIS processes and ensure adherence to Problem Management & Change Management procedures by self and team

  • Conduct Research and Development work within the scope of work.

  • Perform other related duties as required.

  • Bachelor in Computer Sciences or equivalent.

  • 2 years experience, including 1 year in the ATM department of a commercial bank is a must

General Information

  • Salary package will be competitive and market based

  • We are an Equal Opportunity Employer

  • Envelope must be marked with the position applied for


Application (on given format, if you like) along with a recent photograph may be sent latest by December 16, 2013 at the following address;

Head, Human Resources

Jang Building, 40 A. K. Fazal-ul-Haq Road, Blue Area, Islamabad.


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