Job Description

🎯 Grade: Band-5 to Band-4
🎓 Qualification: Minimum Bachelor’s Degree from an HEC-recognized Pakistani or foreign university
💼 Experience: Minimum 09 years of relevant Banking/Non-Banking experience
🎂 Age Limit: Up to 55 years as on the date of application

Job Description / Major Responsibilities

Lead the design, development, and validation of digital credit risk models.
Implement Machine Learning (ML) and AI-driven models to improve credit decisioning, automated underwriting, and portfolio risk management.
Develop risk strategies for unsecured lending and digital supply chain financing.
Ensure credit risk models comply with regulatory requirements, including Basel, IFRS 9, and applicable local banking regulations.
Oversee the use of alternative data sources such as transactional data, telecom data, social media, and open banking data.
Drive innovation in real-time risk assessment and dynamic credit scoring for digital lending platforms.
Collaborate with Data Science and Engineering teams to deploy models into production.
Manage and develop a high-performing team of data analysts specializing in credit risk modeling.

Eligibility Criteria

Qualification:
Minimum Bachelor’s Degree from an HEC-recognized University or Foreign University.

Experience:
Minimum 09 years of relevant Banking/Non-Banking experience.

Age:
Maximum 55 years as of the application date.

Important Notes

Only shortlisted candidates will be called for an interview.
No TA/DA will be admissible for the interview.
The Bank of Punjab reserves the right to accept or reject any application without assigning any reason.
BOP is an equal opportunity employer. Females, minorities, DAP (Differently Abled Persons), and transgender persons are encouraged to apply.
The position offers market-based competitive remuneration.
Eligible candidates should apply online through the BOP Careers Portal by September 28, 2026.

📞 BOP Phone Banking: 111-267-200

Job Summary

Segment Head – Digital Credit Risk Modeling is a senior-level opportunity within BOP's Data Analytics & AI Division (Digital Banking Group), focusing on AI/ML-based credit risk modeling, digital lending, automated underwriting, alternative data, and real-time credit assessment.

🔎 Source: Official Careers Portal
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