The Bank of Punjab is one of the fastest growing Banks in Pakistan with its profound existence of over 33 years. It operates through a network of 780+ real-time online branches and 706+ ATMs across the country. The Bank has established a strong foundation while offering premium banking services with major focus on unsurpassed value added services for its customers through advanced solutions.

In line with the Bank’s progression strategy, we invite applications from experienced, dedicated and performance-driven professionals for the following position(s) in our Branch Banking Division (Consumer Banking Group). The following job profile offers excellent opportunity for the right candidates desirous of building a long term career in a dynamic organization:

Grade: VP/SVP

Location: Peshawar

Job Summary / Major Responsibilities:

• Developing customer and business proposition (strategy) and ensuring its executed through the most efficient delivery network.
• Developing and jointly executing a calendar of marketing and sales programs/campaigns as well as appropriate sales collateral.
• Promoting Cross-marketing & ensuring business development on a consistent basis and to promote Retail Banking products.
• Ensuring meticulous compliance of SBP guidelines / internal policies / procedures and to ensure compliance to the sales process.
• Handling customer complaints or issue and respond promptly and spontaneously with the highest level of customer satisfaction being maintained.
• Ensuring that branches sales staff have accurate knowledge of all products and the marketing of products properly to potential clients.
• Meeting prospective / existing / valued/institutional/corporate clients for business and networking & improve professionalism, organizational commitment and team spirit to maximize output.

Eligibility Criteria

Qualification: Minimum Bachelor’s Degree from a HEC recognized Local/ Foreign University. Preference will be given to Master Degree holders. 

Experience: Minimum 07 Years of Banking experience.

Age: Up to 55 Years as of  December 13, 2023.

Important Note:

a) Only shortlisted candidates shall be called for interview. No TA/DA will be admissible.
b) The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.
c) The Bank is an equal opportunity employer. Females and minorities are encouraged to apply.
d) The above position(s) carry market based competitive remuneration.
e) Individuals fulfilling the above mentioned criteria are encouraged to apply online through BOP career portal bop.rozee.pk Latest by Decemeber 13, 2023.

Skills:

Corporate Clients Meetings, Marketing Campaigns, Business Proposition, Retail Banking Products, Customer Handling, Compliance,
 

The Bank of Punjab is one of the fastest-growing Banks in Pakistan with a profound existence of over 33 years. It operates through a network of 780+ real-time online branches and 700+ ATMs across the country. The Bank has established a strong foundation while offering premium banking services with a major focus on unsurpassed value-added services for its customers through advanced solutions.

In line with the Bank’s progression strategy, we invite applications from experienced, dedicated, and performance-driven professionals for the following positions in the Internal Audit Function Group. The following job profile offers an excellent opportunity for the right candidates desirous of building a long-term career in a dynamic organization:

Grade: VP-I /SVP-I

Location: Lahore

Job Summary / Major Responsibilities:

1. Assist Head RAR Audit in the risk assessment process and in preparation of Risk Based Annual Audit Plan. 
2. Ensure execution of Annual Review Plan within given time schedule and allocation of resources according to risk profile of auditable entity.
3. Manage and monitor the overall performance of the engagement to ensure smooth completion thereof. Monitor staffing needs and schedules to ensure optimal utilization of audit resource.
4. Escalation of critical process deficiencies spotted through review findings to Head RAR coupled with suggestions to strengthen critical control lapses.
5. Facilitate communication with management through Head RAR to enable discussion on their concerns on audit engagements through conclusion meetings.
6. Review and submit Risk Assets Review reports along with executive summaries duly prepared to the Head RAR for finalization.
7. Review the work performed by RAR team thereby ensuring that issues identified have been adequately reported/escalated. Coach team members on an ongoing basis to clarify their understanding of RAR methodology and to keep them abreast of the recent developments.
8. Identify training needs of staff and coordinate with Head RAR audit for their training.
9. Review of policies and procedures and suggest amendments keeping in view the regulatory and internal requirements. Highlight significant flaws and follow up for their rectification through the appropriate forum.
10. Develop and maintain a cordial and professional relationship with the internal customers and discuss a workable management action plan in response to RAR findings.
11. Conduct special engagements and ensure the achievement of objectivity in a timely manner. Conduct reviews of Write-Offs in line with the Bank’s approved policy and SBP guidelines. 
12. Ensure that all Review Reports, are released on a timely basis to the concerned.
13. Preliminary data gathering for the planned reviews, annual budgeting and planning exercise, and preparation of bi-annual CAR reviews.

Eligibility Criteria:

Qualification: Minimum Bachelor`s or equivalent degree preferably in Accounting/Finance from an HEC-recognized local/ foreign university.

Age: Up to 55 Years as of Dec 01, 2023.

Experience: Minimum 7 years of banking experience including 3 years of Risk Review experience.

Important Note:

a) Only shortlisted candidates shall be called for interview. No TA/DA will be admissible.
b) The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.
c) The Bank is an equal-opportunity employer. Females, minorities and PWDs and Transgender are encouraged to apply.
d) The above position(s) carry market-based competitive remuneration.
e) Individuals fulfilling the above-mentioned criteria are encouraged to apply online through BOP career portal bop.rozee.pk latest by December 01, 2023.

Skills:

Relationship Management, Team Management, Annual Budget Reports, Annual Audit Reports, Risks Assets Review, RAR Audit, Data Gathering, Communication Skills, Audit Reports Management, Training Management,
 

We are looking for committed & passionate individuals who are willing to be a part of the banking service industry. If you have exceptional written & verbal communication skills, have a can-do attitude and the confidence to undertake a challenge, then this is the place for you!

Key Responsibilities:

1. Ensuring compliance of TAT for fulfilment.
2. Attendance and Punctuality is maintained to achieve the productivity target
3. Ensure all discrepancies in on-boarding are addressed timely
4.  Maintain healthy relationships with key stakeholders especially branches and CPU.
5.  Recognize that all customer and company information is confidential and proprietary and is provided to you for the exclusive purpose of servicing customer requests; any other use of this information is prohibited. Confidential and proprietary information may not be copied, reproduced, or disseminated in any way
6. Be a team player and support team in achieving overall targets.

Skills:

Team Leadership Skills, Customer Service, Presentation Skills, Communication Skills,
 

We are looking for committed & passionate individuals who are willing to be a part of the banking service industry. If you have exceptional written & verbal communication skills, a can-do attitude and the confidence to undertake a challenge, then this is the place for you!

Key Responsibilities:

1. Sales calls will be made by keeping in mind that all services and proper information needs to be provided/ delivered to the customers.
2. Strive towards meeting the assigned sales/cross sell targets.
3. Courtesy & Accuracy Norm needs to be followed which has been shared by the monitoring team.
4. Manage monthly sales target assigned by the Management
5. Proper usage of systems/applications must be ensured.
6. Attendance, Punctuality and manned minutes are completed to achieve the productivity target.
7. Be a team player and support team in achieving overall targets.

Skills:

Telesales, Customer Service Skills, Multitasking Skills, Communication Skills,
 

1. Develop and implement the procedures which reduces risk of financial cards transactions.
2. The procedural process/SOP is updated on timely basis.
3. Responsible for monitoring of Card Operations Unit activities on daily basis.
4. Ensure effective complaint management and channel feedback for process improvements.
5. Motivate, train and manage the Card Operations team to ensure utility of their capacities are optimized and business efficiency is ensured.
6. Responsible to manage Internal and External Audit related to Credit & Debit Card; identify risk effected areas and discuss with Head Cards & Digital Operations to reduce risk.
7. Ensure effective management and administration of all employee records as per set standards.
8. Evaluate team performance and provide feedback on ongoing basis.
9. Develop good working relationship with other units to achieve results in better way.

Required Skills:

Analytical Skills, Team Building, Interpersonal Leadership,

1. Provide excellent customer service and technical support.
2. Respond to inquiries and issues in a timely and efficient manner.
3. Troubleshoot and resolve technical issues with the services.
4. Escalate complex issues to the appropriate department or team member for further assistance.
5. Gather customer feedback and provide suggestions for improvements to products and services.
6. Collaborate with other departments within the company to ensure a seamless IT customer experience.
7. Documents intenal procedures and IT inventort

Required Skills:

Tbricklaying, Installation and Software Configuration, Help Desk Support, Inventory Control,

1. To keep updated regarding Bank’s products & services & essential regulatory requirements, create awareness of products offerings.
2. To ensure month-on-month deposit growth on ETB portfolio with proper emphasis on CASA base.
3. To achieve continuous NTB Account onboarding monthly with special emphasis/concentration on CASA-based growth, meeting the assigned KPIs.
4. To ensure portfolio and business growth without compromising on Service Quality levels.
5. To ensure portfolio and business growth, maintaining zero-tolerance to Control & Compliance issues.
6. To maintain a presence in the catchment area through regular market visits to existing and prospective customers, thereby enhancing the market reputation of the Branch and the Bank.
7. To maintain a professional relationship with customers daily to ensure that a high customer experience is consistently delivered.
8. Ensure that the business relationships are in thorough compliance with the Bank’s Policies and Regulatory requirements regarding KYC/CDD completion.

Required Skills:

Strong Focus On Achievement of Targets, Communication Skills, Services, Relationship Management Skills, Product and Market Dynamics,

A bank customer service representative is someone whose role is to provide information regarding the bank’s products and services to its customers. He/she is responsible for communicating with clients and assisting them, in person and over the phone, in financial transactions, service and meeting set-ups, and other tasks in response to the client's needs.

Job Requirements: 

1. Provide splendid customer services to customers in a friendly and courteous manner at all times
2. Have sufficient knowledge about the banking products and services and respond to all inquiries accordingly 
3. Improve customers’ banking experience with the bank by ensuring that the customers are attended to promptly and all their challenges are resolved without delay
4. Ensure that all the bank’s policies and procedures, code of conduct and regulatory guidelines are strictly complied with in the process of discharging duties
5. Provide information to customers on their account status and account balances
6. Open new bank accounts according to laid down rules and guidelines
7. Suggest effective ways through which the bank can promote its products and services and increase customer satisfaction
8. Provide assistance to all other members of staff in other departments of the bank by liaising with them through healthy interactions
9. Establish and promote cordial relationship with customers, ensuring prompt attendance to their inquiries and solving their problems to grant them maximum satisfaction
10. Ensure that customers’ confidential information is properly protected and only used for official purposes
11. Promote Team Work and prove to be an effective participant of the TEAM.
12. Responsible for CIF amendment and Dormant activation.

Minimum Qualifications: 

• Graduate in business related field (Masters or MBA will be preferable)  

Minimum Experience: 

• 2-3 years’ relevant experience  

Job Specific Skills: 

1. Effective listening skills are demonstrated by the ability to listen to other people talk without interruptions, understand them and then propose solutions or make contributions based on the points made 
2. Strong communication skills characterized by excellent writing and speaking skills 
3. He/she must also have excellent negotiation skills and be able to influence people 
4. He/she must possess excellent multi-tasking skills and be able to function under pressure 
5. Ability to use the computer efficiently and also learn how to use new software 

Behavioral Skills:  

• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times 
• Have a keen eye for detail and follow instructions to the letter
• A Team player, with good time management skills. 
• Self-driven with the ability to work under pressure.

Skills:

Customer Relationship Management, Coordination Skills, Official Tasks Handling, Customer Service Skills,
 

We are looking for committed & passionate individuals who are willing to be a part of the banking service industry. If you have exceptional written & verbal communication skills, have a can-do attitude and the confidence to undertake a challenge, then this is the place for you!

Customer Care Officer is a position based in call center where the candidates will be required to work in Rotational shifts.

Key Responsibilities:

1. Handle customer queries within the standard time, as defined by management
2. Highlight issues and queries faced during complaint resolution to their respective team supervisors/managers
3. Monitor & follow up with the concerned department who are responsible for resolving complaints and to close the same on complaint management & tracking system.

Skills Required:

1. Customer focused
2. Good communication skills
3. Team player
4. Adherence to high customer service standards

• Job Location: Karachi & Islamabad
• Required Career Level: Fresh
• No of positions: 35+
• Minimum Qualification: Graduate
• Years of experience: Fresh
• Salary Range: 35K – 50K
• Functional Area: Inbound
• Department: Contact Center
• Age requirement: Minimum 22 years

Skills:

Time Management, Customer Focused, Team Player,
 

1. Handle and execute the set of financial/non-financial transactions (i.e. Cash Deposits/Withdrawals, Local/Foreign Remittances, Utility Bills, Outward Clearing, Cash Sorting, Payment Orders, Fund Transfers etc.) in the assigned Branch.
2. Ensure proper execution and preparation of vouchers regarding the daily operational activities of the Branch, whilst ensuring compliance with Bank/SBP Regulations.
3. Ensure closure of the Cash Counter at ATM at day-end with complete reconciliation with the cash balances in the core-banking system, and balancing of the physical cash inventory in the vault and ATM.
4. Provide customers with effective and efficient support in meeting their transactional needs, with a focus on transaction accuracy, and low Turn Around Time.
5. Ensure familiarity and compliance with any changes in regulatory requirements through regular review of Bank and SBP’s Circulars/Notifications.
6. Maintain effective and regular interaction with centralized operations departments to resolve any transactional issues and ensure efficient processing of customer transactions.
7. Ensure screening/verification of customers identity and entering correct details of customers in system at the time of executing transactions. 
8. Handle the physical movement of cash from/to the Branch Vault, in coordination with the Bank’s approved security companies. 

Required Skills:

MS Office Skills, Relations Management, Branch Support, Branch Operations Management,

Branch Operations:

a) Lead a team of assigned Area Manager Operations ensuring smooth functioning of branch banking operations.
b) Deploy effective branch banking operations structure, aligned with bank strategy and keep functional oversight.
c) Ensure smooth implementation of changes in branch banking policy and procedures and systems (for branch operations) through respective desks.
d) Provide guidance & support to branch banking operations with regards to policy and procedures, regulations, systems etc.
e) Ensure that complaint resolution SLAs are monitored and effectively managed through branch operations staff.
f) Focal person between branch and Corporate Office (relevant desks) for the resolution of branch banking operation issues, policy clarification and system & technology matters.
g) Assist line Manager in developing and implementation of key operational strategies to improve service quality, overall customer experience and operational efficiency.
h) Ensure reporting and presenting critical matters to line Manager to initiate appropriate action.

Supervision of Area Manager Operations:

a) Ensure assigned Area Manager Operations are updated with strategic plans of the bank and ensure their alignment with these plans.
b) Ensure Assigned Area Manager Operations impart training to branch banking operations team on weak operational areas, new products, new system developments and any changes in processes and/or system as applicable.
c) Ensure effective monitoring of assigned Area Manager Operations KPIs through visit reports, planners, and various analysis.
d) Ensure quality feedback to assigned Area Manager Operations on periodic and surprise audit reports related to branch banking operations.
e) Ensure that Area Manager Operations takes training session or observe learning days to improve their job knowledge.
f) Ensure that assigned Area Manager Operations perform onsite compliance assessment as per Compliance check lists.

Compliance :

a) Ensure that fraud risks & operational gaps are identified, reported and minimized with the help of control functions.
b) Lead the team to address operational gaps and ensure effectiveness of internal controls, while taking up with relevant control functions for improvements/fixation.
c) Guide & supervise branch banking operations team to address & close audit observations within stipulated timeframe.
d) Collaborate branch audit meetings at corporate office level. Provide feedback for observation correction, fixation and associated control improvement by engaging relevant process/control owners.
e) Guide Area Manager Operations to effectively interact with auditors, evaluate each audit observation, accept or reject observation as per SOP.
f) Ensure that branch banking operations related findings raised by Internal & External Auditors are addressed in a timely manner. 
g) Ensure that branch operations related audit finding rating remains in “Low” across the assigned areas.

People Management:

a) Ensure area operations staff is equipped with the knowledge and skills which minimize operational challenges and/or issues.
b) Assist Manager Branch Operations to make effective score cards /indicators of operations teams to gauge their monthly performance
c) Ensure effective backup planning of key resources to ensure business continuity in a seamless manner.
d) Recommend staff transfers, resignations, rotation & promotions on the recommendation of Area Manager Operations.
e) Review training modules and attachment plans of operations staff to ensure that trained staff is deployed in branch operations.

Required Skills:

People Management, Compliance Assessment, Periodic Reports, SLA Monitoring, Complaint Resolution, Branch Banking Operations, Interpersonal Skills, MS Office,

KYC/AML/CFT Policy & Procedures and Risk Assessments:

1. Development, implementation and updation of Bank’s AML/KYC/CFT/CPF policy and procedures.
2. Regularly review the Bank’s policy and procedures in the light of AML Act, ATA Act, UNSC Sanction Regime, SBP Regulations, FATF recommendations, Risk Assessment reports, and international best practices and make recommendation for necessary changes.
3. Updation of Bank’s risk assessment regarding KYC / AML / CFT / CPF / TFS as per regulatory instructions and national risk assessments.
4. Periodical assessment of ML/TF / PF /Transnational risk posed to the Bank and effective implementation of controls commensurate with the level of ML/TF/PF / Transnational risk posed from different channels.

Compliance of UNSC and Targeted Financial Sanctions Regime:

• Manage CFT Desk and ensure compliance of Targeted Financial Sanction’s Regime, Sanction’s screening activity, freezing / de-freezing actions under UNSC Sanction Regime & Anti-Terrorism Act 1997, global watch lists and instructions received from other law enforcement agencies (LEAs).
• Maintenance and updation of screening parameters and scenarios in FCM as per ML / TF risk posed to Bank.

Transaction Monitoring & Alert Management:

1. Ensure efficient transaction monitoring over customer’s account as per SBP’s guidelines and Bank’s policy and procedures.
2. Administration & management of Transaction monitoring Rules / scenarios as per ML / TF risk posed to Bank.
3. Ensure review of Transaction Monitoring Alerts escalated by AML Analyst/ CFT officer for closure or possible reporting of STR to FMU.
4. Management Reporting.

KYC/CDD Reviews and CTR & STR Reporting:

• Monitor and ensure compliance over KYC / CDD related activities as per Bank’s policy & procedures.
• Monitor and ensure timely and accurate reporting, record keeping of Currency & Suspicious Transactions (on ML / TF / PF / TFS / Transnational Risk or any illegal activity) to Financial Monitoring Unit (FMU) as per defined procedures and guidelines.
• Monitor and ensure timely response to queries by FMU regarding submitted CTR/ \STR or any other financial intelligence.
• Manage the user administration for go AML.

KYC/AML/CFT Training:

1. Develop the KYC / AML / CFT / CPF / TFS related training plan of Bank complying all the regulatory requirements and Bank’s policy.
2. Develop, and update the KYC / AML / CFT / CPF / TFS training modules as per regulatory requirement, best practices and risk assessments conducted by Bank or external authorities.
3. Planning, executing and delivering compliance trainings for all staff of KMBL covering all significant areas of KYC/AML as per approved training plan.

Liaison with Law Enforcement Agencies & Authorities:

• Monitor and ensure the efficient handling, recording and responding to queries received from LEAs.
• Monitor and ensure the compliance of Freezing/de-freezing actions as per instructions received from LEAs regarding customer’s accounts.

FATCA & CRS Compliance:

1. Develop and maintain a compliance program that includes policies, procedures and processes that sufficiently comply with all of FATCA rules and regulations.
2. Monitoring of FATCA & CRS regulatory environment and relevant updating of legal documentation process.
3. Updating KMBL’s status on IRS and Periodic Reporting under FATCA.
4. Development & implement CRS related procedures.
5. Identification & record keeping of Reportable Accounts under CRS.
6. Ensure periodic reporting under CRS / FATCA and liaison with regulatory authority regarding their compliance.

Whistle Blowing & Additional Tasks:

• Handling of the receipt, retention, and treatment of alleged malpractices / misconduct. 
• Assist in the process of investigations internally or referred to an independent investigator and record keeping of relevant documents.
• Prepare weekly, bi-weekly, monthly and quarterly reports for CCO/BAC or Bank’s Management.
• Assisting in any other relevant tasks/Assignment by Management.

Required Skills:

Transaction Monitoring, STR, CTR, Prudential Regulation, AML, Customer Due Diligence, CRS, FATCA, CFT, KYC,