Regional Executive - Inclusive Development & Processing Officer

Regional Executive - Inclusive Development (VP): To lead and manage Regional Managers, Relationship Managers and Agriculture Finance Officers within the Region to sustainable business growth and overall performance.

To develop and execute comprehensive annual business strategies for the Region by identifying business prospects and market opportunities to achieve Agriculture, SME and Commercial financing.

To ensure a healthy and profitable inflow of new business, retention of existing clientele and cross-selling of products through structured planning, specialized training and performance management of regional teams.

To supervise the development and execution of regional sales strategies and conduct periodic performance review meetings to monitor target achievement and determine corrective measures where required.

To coordinate closely with cross-functional teams, branch managers, Regional Executive - Credit, CAD and other stakeholders for marketing, structuring, processing, approval, disbursement and maintenance of the advances portfolio while improving Turn-Around-Time (TAT) and customer experience.

To market, structure and jointly approve credit proposals within delegated authority as per the Credit Approval Authority Booklet (CAAB), and recommend cases beyond authority to higher competent forums.

To conduct regular client visits for business mobilization, portfolio monitoring, turnover review and pledge / site inspections to ensure quality and compliance.

To maintain asset quality through disciplined target achievement, proactive monitoring of accounts, execution of remedial measures for NPLs and initiation/recommendation of recovery proceedings in line with Bank policy and SBP Prudential Regulations.

To ensure that all advances proposals, processes and operations comply with internal policies, SOPs, regulatory requirements and defined TATs while maintaining the highest standards of service for existing and potential clients.

To review and monitor regional portfolios through MIS oversight and establish adequate controls to address audit observations and prevent recurrence of issues.

To identify and propose promotional campaigns, service enhancements, strategic partnerships and distribution channel improvements to strengthen regional market presence.

To ensure qualified, experienced and well-trained resources are in place, supervise, guide, and evaluate direct reports through regular performance reviews and drive KPI governance, succession planning and team development for sustained business and talent growth.

To provide strategic input to the National Business Head regarding product development, customer requirements, performance gaps, and new initiatives to enhance service delivery.

To perform any other assignment as assigned by the supervisor(s).

Processing Officer - Policy & Product Programs (OG-II / OG-I): To support the development and enhancement of SME financing products, programs, and policy frameworks in line with the Bank's business strategy and regulatory guidelines of the State Bank of Pakistan.

To assist the Unit Head in designing SME product structures, including working capital, trade finance, seasonal financing, and specialized schemes aligned with target segments and sectoral priorities.

To prepare, review, and update SME credit policies, product programs, operating guidelines, and eligibility criteria to ensure consistency, clarity, and alignment with the Bank's risk appetite.

To conduct market research, competitor analysis, and portfolio reviews to identify product gaps, market opportunities, and emerging industry trends.

To coordinate with Risk, Credit, Compliance, Business, and Operations teams to ensure that product programs and policy documents are compliant, practical, and aligned with the Bank's risk appetite.

To monitor regulatory developments, SBP circulars, and industry practices to support timely policy updates and the enhancement of SME product frameworks.

To perform any other assignment as assigned by the supervisor(s).