Relationship Manager SME (OG-II)

The National Bank of Pakistan (NBP), "The Nation's Bank", is seeking highly motivated, confident, and career-oriented individuals for the position of Relationship Manager – SME (OG-II) under its Inclusive Development strategy.

If you have a strong background in sales, customer relationship management, and commercial or SME banking, apply today to join one of the largest leading banks in Pakistan.

Job Details

• Organization: National Bank of Pakistan (NBP)

• Position: Relationship Manager - SME (OG-II)

• Job Type: Contractual Basis (03 years, renewable at management's discretion)

• Department: Inclusive Development

• Expected Posted Date: June 2026

Place of Posting (Multiple Cities)

Candidates can be posted in any of the following cities across Pakistan:

Abbottabad, Bannu, Faisalabad, Gujranwala, Gujrat, Hyderabad, Jhang, Jhelum, Karachi, Larkana, Mianwali, Mirpurkhas, Multan, Peshawar, Sahiwal, Sargodha, Sheikhupura, Sialkot, Sukkur, Swat, Vehari.

Eligibility Criteria

1. Education & Qualification

• Minimum Requirement: Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan.

• Preferred: Candidates holding a Master's degree in business and/or other professional certifications such as AIBP or JAIBP will be preferred.

2. Age Limit

• Maximum Age: 28 years (as on the last date of application submission).

3. Experience

• Minimum Experience: 01 year of banking experience in Sales and/or Relationship Management.

Main Duties and Responsibilities

Selected Relationship Managers will be responsible for:

• Identifying and acquiring new SME clients to grow the Bank's SME lending portfolio.

• Developing and executing client acquisition strategies in alignment with organizational goals.

• Promoting the Bank's financing products, including working capital, trade finance, and term loans.

• Managing and enhancing existing client relationships to ensure portfolio retention and growth.

• Regularly reviewing the financial health and performance of clients to identify potential risks and opportunities.

• Conducting periodic client visits and providing updates on portfolio performance.

• Analyzing financial statements and business models of SME clients to assess creditworthiness.

• Structuring and recommending appropriate financing solutions tailored to client needs.

• Preparing comprehensive credit proposals in compliance with internal policies and regulatory guidelines.

• Ensuring credit facilities are approved within the risk appetite of the Bank.

• Monitoring accounts for early warning signals and taking proactive measures to mitigate risks.

• Maintaining compliance with the Bank's policies, procedures, and regulatory requirements.

• Collaborating with internal stakeholders to provide seamless client service.

• Achieving financial and non-financial targets, including revenue, portfolio growth, and client satisfaction.

• Contributing to the Bank's overall strategy by meeting Key Performance Indicators (KPIs).

• Performing any other assignment as assigned by the supervisor(s).

Knowledge & Competencies Required

• Ability to manage multiple tasks, prioritize work effectively, and meet assigned targets.

• Basic understanding of banking products and services, with exposure to Commercial and SME Banking.

• Good geographical knowledge of the assigned area and surrounding business area.

• Sound knowledge of SBP Prudential Regulations and regulatory requirements related to Commercial & SME lending.

• Strong interpersonal, communication, and customer relationship management skills.

• Strong sales orientation, with the ability to identify business opportunities and achieve assigned targets.

• Strong understanding of Credit Lending, SME Financing, and Trade Finance.

• Proficiency in Microsoft Office (Microsoft Word, PowerPoint, and Excel).