Job Description

Career Level: Department Head
Education: Bachelor’s Degree
Experience: Minimum 8 Years
Total Positions: 1

Albaraka Bank is seeking an experienced professional for the position of Head Agri Credit – Commercial & SME Banking in Karachi. The successful candidate will be responsible for leading Agri Credit operations, managing portfolio quality, driving business growth, ensuring regulatory compliance, and developing high-performing teams.

Key Responsibilities

Policy & SOP Development: Draft, update, and obtain approvals for Agri Credit policies and SOPs.
Portfolio Management: Maintain a healthy credit portfolio, control non-performing loans (NPLs), and maximize recoveries.
Business Growth: Conduct market research, identify new Agri business opportunities, and establish annual business KPIs.
Risk & Compliance: Ensure compliance with SBP Prudential Regulations, AML/CFT requirements, and Shariah principles.
Credit Quality: Approve well-secured and purpose-driven credit facilities supported by enforceable documentation.
Team Leadership: Recruit, train, develop, and mentor staff to achieve excellence in Agri business.
Audit & Controls: Coordinate with SBP inspections and internal/external audits while ensuring strong accountability and controls.
Performance Monitoring: Monitor unit and individual KPIs, ensure timely renewals, and manage delinquent accounts.

Required Skills

Portfolio Management
Business Growth
Risk & Compliance
Credit Quality
Policy & SOP Development
Team Leadership
Credit Risk Management
Regulatory Compliance