Business Development Manager

Job Description

The Bank of Punjab is one of the fastest-growing banks in Pakistan, with a profound existence of over 35+ years. It operates through a network of over 900+ real-time online branches and ATMs across the country. The Bank has established a strong foundation while offering premium banking services, focusing 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 position in our Small Medium Enterprises Division (Consumer Banking Group). This job profile offers an excellent opportunity for the right candidates desirous of building a long-term career in a dynamic organization:

Grade: Band-7 to Band-5

Location: Karachi

Job Responsibilities:

• Ensure all assigned hub/team business targets are achieved. A balanced growth is achieved in financing to all segments under the SME Division, i.e., SME, Commercial/Corporate, particularly financing against SBP schemes.
• Ensure onboarding of new-to-bank customers. Establish new relationships and strengthen & deepen relationships with existing customers.
• Identify business opportunities to grow funded & non-funded business, structure proposals, negotiate terms, and determine security arrangements.
• Provide financial advice & solutions to existing and prospective clients. Ensure achievement of financial and non-financial objectives of the Division.
• Liaise with other business units for business leads. Ensure cross-selling with other business groups and divisions through marketing of deposit, RFD/ACD products, cash management mandates, etc.
• Ensure no fresh NPL addition in the portfolio and reduction in existing NPLs.
• Regularly visit existing customers in the region and ensure timely recovery of installments/markups and other bank charges. Ensure maximum collection (at least 90%) is achieved in the first 30 days of the quarter.
• Ensure compliance with the Bank’s operational procedures and State Bank of Pakistan regulations.
• Ensure proper screening of customers is conducted to ensure their eligibility for the Bank's products & services.
• Ensure credit discipline is maintained in line with the Bank’s CPM, policies & procedures.
• Ensure preparation and processing of credit proposals/renewals relating to assigned relationships and carry out financial analysis and credit risk assessment in conformity with the Bank’s policy and SBP Prudential Regulations.
• Ensure turnaround time defined by SBP or internal procedures, PPMs, etc. for credit processing is met.
• Ensure special attention is given to the needs of vulnerable persons. Ensure fair and equal treatment to all customers in accordance with the Bank's policies, procedures & PPMs.
• Ensure completion of all pre–post sanction/disbursement formalities timely and issuance of “DAC” from RCAD relating to assigned credit relationships.
• Monitor compliance with the terms & conditions of the approved credit packages, ensuring record updation in respect of insurance policies, stock reports, valuation reports, and audited accounts (if required) of the assigned relationships.
• Ensure timely communication of any change in terms & conditions of the products to the customers.
• Conduct periodical business calls to the customers and submit business call/visit reports.
• Facilitate customers in making informed decisions by presenting the best available options to cater to their needs and assist them promptly and efficiently if they require alternatives.

Eligibility Criteria:

Qualification: Minimum Bachelor's or equivalent degree from an HEC recognized local/foreign university.

Experience: Minimum 07 to 09 years of experience. Preference will be given to candidates having 5 years of relevant banking experience.

Age: Up to 55 years as of Aug 05, 2026.

Important Note:

• Only shortlisted candidates shall be called for interviews. No TA/DA will be admissible.
• The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s).
• The Bank is an equal opportunity employer. Females, minorities, differently-abled persons (DAPs), and transgender individuals are encouraged to apply.
• The position carries market-based competitive remuneration.
• Individuals fulfilling the above-mentioned criteria are encouraged to apply online through BOP career portal bop.rozee.pk Latest by Aug 05, 2026.