Job Description

Grade: Band-9 to Band-7 Department: Enterprise Risk Management Division (Risk Management Group) Job Type: Banking / Risk Management Minimum Qualification: Bachelor's Degree Minimum Experience: 4 Years Maximum Age: 55 Years Application Mode: Online

About The Bank of Punjab

The Bank of Punjab (BOP) is one of Pakistan's fastest-growing banks, with more than 35 years of banking experience and a network of over 900 branches. The bank provides a wide range of banking and financial services, focusing on customer satisfaction, innovation, and advanced banking solutions.

Job Description

The Bank of Punjab is inviting applications from experienced, dedicated, and performance-driven professionals for the position of Manager – IFRS 9 & Regulatory Return in its Enterprise Risk Management Division, Risk Management Group, based in Lahore.

The selected candidate will be responsible for managing IFRS 9 expected credit loss (ECL) calculations, monitoring credit risk models, preparing regulatory returns, and ensuring compliance with State Bank of Pakistan (SBP) guidelines and Basel regulatory requirements.

Key Responsibilities

Consolidate data and calculate periodic IFRS 9 Expected Credit Losses (ECL) in accordance with IFRS standards and SBP guidelines.
Manage and monitor the IFRS 9 ECL framework, including PD, LGD, EAD, CCF, credit classification, SICR assessments, and macroeconomic scenarios.
Coordinate ECL calculations and ensure timely generation of impairment results.
Review ECL model outputs, assumptions, overlays, and management adjustments.
Analyze changes in ECL provisions and assess the impact of portfolio changes and economic conditions.
Coordinate with internal and external auditors on IFRS 9 matters.
Support the implementation of IFRS 9 standards across the bank's credit teams.
Recommend updates to ORR models, application scorecards, and behavioral scorecards.
Support model amendments, back-testing, validation, calibration, and recalibration.
Improve IFRS 9 management information reports and financial disclosures.
Prepare regulatory returns, including CAR, LR, LCR, and NSFR, in accordance with SBP regulations and Basel requirements.
Assist with regulatory, climate-related, and macroeconomic stress testing and scenario analysis.
Maintain a regulatory reporting calendar to ensure timely submissions.
Support SBP inspections, regulatory reviews, and information requests.
Ensure timely resolution of regulatory and audit observations.

Eligibility Criteria

Qualification

Minimum Bachelor's Degree from an HEC-recognized local or foreign university.
Candidates holding a Master's Degree will be preferred.

Experience

Minimum 4 years of banking or non-banking experience.
Preference will be given to candidates with relevant experience in IFRS 9, credit risk management, regulatory reporting, or financial risk modelling.

Age Limit

- Maximum 55 years as of the application date.

Important Notes

Only shortlisted candidates will be invited for interviews.
No TA/DA will be provided for the interview process.
The Bank of Punjab reserves the right to accept or reject any application without providing a reason.
BOP is an equal opportunity employer. Females, minorities, differently-abled persons (DAP), and transgender candidates are encouraged to apply.
The position offers market-based competitive remuneration.

How to Apply

Interested and eligible candidates should submit their applications online through the official BOP Careers Portal before the deadline.

BOP Phone Banking: 111-267-200

🔎 Source: Official Careers Portal

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