ZTBL Jobs August 2026 - Zarai Taraqiati Bank Limited

Zarai Taraqiati Bank Limited (ZTBL) is a AAA rated renowned specialized financial institution with a wide network of over 500 branches across Pakistan. ZTBL invites applications from energetic and challenge-oriented professionals with proven track record for the following positions: Head Operational Risk Unit (VP-I/VP), Manager IFRS-9 & Risk Analytics (AVP-I/AVP), Environment Risk Officer (OG-II), and Market & Liquidity Risk Analyst (OG-II).

Job Responsibilities:

Head Operational Risk Unit: Lead and manage the Operational Risk Unit in identifying, assessing, monitoring, and mitigating operational risks across the bank and strengthen risk culture through training and awareness programs. Implement Operational Risk Management Framework (ORMF) across the Bank. Design & Oversee Risk & Control Self-Assessments (RCSA), Key Risk indicators (KRI's) and maintain bank wide risk registers and conduct scenario analysis. Supervise bank wide accurate recording and reporting of Loss Data, root cause analysis, and risk mitigation initiatives. Support business units in embedding risk awareness and ensuring effective implementation of operational risk controls. Develop internal stress-testing scenarios in area of Operational risks and Climate Risks. Monitor bank wide tolerance and appetite levels in Operational Risk. Prepare agenda items, dashboards for reports to senior management/risk committees covering model risk exposures, operational loss trends, and control effectiveness. Liaise with internal and external auditors and regulators on model operational risks. Ensure compliance Operational risk regulations with reference to SBP and Basel I/II guidelines. Assess and Review operational risk implications of new products, processes, and systems prior to launch. Review operational and concentration risk associated with outsourcing arrangements, in line with SBP's Outsourcing Risk Management guidelines.

Manager IFRS-9 & Risk Analytics: Managing & implementing the ongoing quarterly production of IFRS 9 expected credit losses using ZTBL's Model, whilst providing insight and analytics. Developing additional IFRS 9 ECL models and/or PD/LGD scorecards should the Bank widen its product offerings. Enhancing IFRS 9 model monitoring and management information packs to allow Bank's senior management to understand new and potentially even more complex products and investments in the future. Provide the lead in setting out and cascading IFRS 9 standards and requirements to the Bank's due diligence teams and processes to ensure that new delivery partners will provide the necessary data and model output for IFRS 9. Work with ZTBL's finance team to ensure the relevant journal balance movements reconciliations, MI reports and the Bank's annual report and accounts entries are produced in line with IFRS 9 and the Bank's financial reporting timelines. Monitoring of ongoing model inputs, assumptions and data for successful model output. Work as a team in development of new models and back testing of the existing models. Providing and presenting advanced analytical insights to the business teams and Senior Stakeholder, in addition to explaining new technical concepts when necessary.

Environment Risk Officer: Formulating and development of environment & social risk management procedures to identify and assess environmental risks. Work on the Environmental & Social Risk Management Framework as per SBP guidelines. Ensure compliance with audit and inspection reports/observations. Focal person representing Risk Management for coordination on matters regarding Green-banking guidelines of SBP. Provide input on environmental risks management for new products and services where required and periodic reporting. Working and updating ZTBL Environmental Risk Management procedure according to the Green banking guidelines of SBP. Assist in development of required reporting.

Market & Liquidity Risk Analyst: Preparation of Market and Liquidity Risk Dashboard for the bank. Preparation of Basel Reports Stress testing, CAR, LCR, NSFR, etc. Preparation of ALCO Packs for deliberation in ALCO meetings. Review & Analysis of treasury Portfolio, Policy & Product periodic basis. Preparation of periodical Risk Reports VAR, Sensitivity, Duration, MTM etc. Monitoring treasury activities to reduce Market & Liquidity Risk. Any other task assigned by the management.