National Bank of Pakistan Latest Karachi Jobs A Guide to the Relationship Officer Role (Special Assets)
National Bank of Pakistan Latest Karachi Jobs is hiring a Relationship Officer (OG-III/OG-II) for its Special Assets Management team in Karachi. 2 years’ banking experience required. Apply online within 10 working days
National Bank of Pakistan (NBP), The Nation’s Bank, is looking for talented and dedicated professionals to join its Special Assets Management team. Applications are invited for the position of Relationship Officer (OG-III / OG-II), based in Karachi. This is an opportunity to specialize in a critical area of banking within Pakistan’s largest financial institution.
Role Overview: The Art of Asset Rehabilitation
The Special Assets Management Group is a vital division within any bank, responsible for managing the portfolio of non-performing loans (NPLs). A Relationship Officer in this wing plays a crucial and challenging role. Unlike a traditional RO focused on sales, your primary responsibility is to manage relationships with delinquent borrowers, working towards the rehabilitation, restructuring, or recovery of troubled assets. This requires a unique combination of financial acumen, negotiation skills, and strategic thinking.
Current Market Demand for Recovery Professionals
In the banking sector, professionals skilled in credit risk management and recovery are always in high demand. This role offers an excellent opportunity to build a specialized career path in a field that is fundamental to a bank’s financial health and stability.
Position Details: Relationship Officer (OG-III / OG-II)
This is an officer-grade role with a clear focus on the recovery portfolio.
- Location: Karachi
- Reporting to: Wing Head – Asset Rehabilitation Wing
- Qualification:
- Minimum of a Graduation or equivalent from an HEC-recognized institution.
- Preference will be given to candidates with a Master’s degree or other relevant professional qualifications.
- Experience:
- Minimum 2 years of banking experience.
- Preference for experience in relationship management, credit risk management, or dealing with a recovery portfolio.
- Employment Type: Contractual, initially for three years (renewable at the discretion of management).
Required Skills & Expertise
- Banking Knowledge: Good knowledge of SME and wholesale banking.
- Regulatory Familiarity: Understanding of SBP Prudential Regulations.
- Interpersonal Skills: Strong communication and interpersonal abilities for client negotiations.
- Teamwork: An effective team player who can coordinate with multiple divisions.
- IT Proficiency: Proficient in the MS Office suite for reporting and analysis.
Outline of Main Duties & Responsibilities
The Relationship Officer will be at the forefront of managing the NPL portfolio, with responsibilities including:
- Assisting in the implementation of strategies for managing non-performing loans.
- Preparing proposals for out-of-court settlements, restructuring, or rescheduling of loans.
- Liaising with the Legal and Credit Administration divisions to plan action against delinquent accounts.
- Analyzing and following up on NPL accounts to monitor recovery progress.
- Conducting client calls and maintaining detailed call logs.
- Developing MIS reports on portfolio progress for management review.
How to Apply: The Sidat Hyder Online Application Process
The application process is managed through the recruitment consultant, Sidat Hyder Morshed Associates.
- Visit the Careers Portal: Go to the application website: www.sidathyder.com.pk/careers.
- Find the NBP Vacancy: Locate the advertisement for the “Relationship Officer (OG-III / OG-II) – Special Assets Management” at National Bank of Pakistan.
- Apply Online: Fill out the online application form with your detailed information as per the given instructions.
- Deadline: You must apply online within 10 working days from the date of the advertisement’s publication.
Note: Only shortlisted candidates who strictly meet the eligibility criteria will be invited for a test and/or panel interview. No TA/DA is admissible.
A Senior Banker’s Insight
A job in Special Assets is where you truly learn the art of banking. It’s not about making new loans; it’s about strategically recovering the bank’s money from old ones. This role requires a thick skin, sharp negotiation skills, and a deep understanding of finance and law. Success in this field makes you an incredibly valuable asset to any financial institution.
Expert Tips for a Successful Application
- Highlight Relevant Experience: Your CV must clearly detail your 2 years of banking experience. If you have any exposure to credit risk, recovery, or managing difficult client relationships, make this the central point of your application.
- Showcase Your Knowledge: Mention your familiarity with SBP Prudential Regulations and SME/wholesale banking products in your CV.
- Emphasize Soft Skills: This role is heavily dependent on negotiation and communication. Use your CV’s summary or cover letter to highlight these skills.
- Prepare for a Tough Interview: Be ready to discuss how you would handle difficult negotiations and challenging client situations.
This is an excellent opportunity to specialize and grow within Pakistan’s national bank. Ensure your application is submitted promptly through the Sidat Hyder portal.
