Current Openings

•  Handle teller services including cash, clearing, collections, and remittances (local and foreign currency), ensuring compliance with bank policies and regulatory requirements, while addressing customer inquiries and providing service information

•  Ensure strict adherence to AML, KYC, SBP regulations, and internal SOPs, including reporting suspicious transactions, screening customers, and maintaining accurate records for audits and regulatory returns

•  Process customer transactions such as utility bill payments, funds transfers, and payment orders, while ensuring accuracy, validation, and compliance with regulatory standards

•  Manage and balance teller cash, including sorting and validating currency notes as per SBP directives, handling ATM/locker keys, and overseeing periodic cash balancing and report checking

•  Monitor and report branch suspense accounts, maintain daily cash activities checklist, update KYC records, and ensure accurate MIS reporting to Head Office, while minimizing transaction exceptions and managing cash operations

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Provide excellent customer service by efficiently handling various transactions (cash, remittances, deposits, withdrawals, etc.), resolving customer queries, and ensuring accuracy and compliance with AML, KYC, and regulatory standards

•  Ensure accurate processing of transactions, manage cash handling, verify documents, and collaborate with team members to meet branch goals while adhering to internal controls, minimizing risks, and maintaining up-to-date knowledge of banking products and services

•  Greet customers, address queries, and manage account opening, closing, and maintenance, including activation of dormant accounts and KYC updates

•  : Supervise and process transactions within assigned limits, including fund transfers, payment orders, clearing (inward, outward, same day, intercity, and USD), and bill collections

•  Ensure adherence to bank policies, SBP regulations, and timely closure of audit observations, while maintaining strict compliance with regulatory standards

•  Manage the issuance and cancellation of payment orders, demand drafts, chequebooks, ATM cards, TDR rollovers, and other banking services

•  : Oversee customer lockers, stop payments, and special account maintenance tasks such as managing deceased accounts, minor accounts, and providing certificates

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Build strong customer relationships, resolve inquiries and complaints effectively, and ensure smooth and efficient service delivery while promoting relevant banking products

•  Demonstrate proficiency in banking processes, maintain accuracy in transactions, ensure compliance with regulations (e.g., AML, KYC), and collaborate with branch teams to meet operational goals

•  Manage counter services and supervise key departments (Cash, Clearing, Account Opening, Remittances, Collections, Administration, EDP), ensuring efficient processing, compliance with bank standards, and high service delivery

•  Oversee adherence to internal policies (OPM, AML, KYC), SBP regulations, and ensure strict controls over operational procedures, security, system access, and exception handling

•  Drive automation initiatives to enhance processing efficiency, reduce redundancies, and improve transaction volume management, while addressing customer complaints and improving turnaround time

•  Set performance objectives, evaluate staff, recommend training, and foster a high-performance culture, while ensuring compliance with attendance and operational policies

•  Manage the branch’s budget, monitor income/expense variances, ensure asset security, and collaborate with Head Office for reporting, expense control, and cost-saving opportunities

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Oversee day-to-day branch operations, ensuring efficient transaction processing, strict adherence to banking regulations (SBP, AML, KYC), and implementation of service delivery standards to enhance customer satisfaction

•  : Lead and develop branch staff, drive performance through training and performance management, optimize operational processes, automate workflows, and manage financial oversight, including budgeting and expense control

•  Achieve deposit mobilization, focusing on a cost-effective mix of CASA/TD, and generate revenue through both existing portfolios and new-to-bank (NTB) acquisitions

•  Build and maintain strong customer relationships, ensure high levels of satisfaction, and handle inquiries, complaints, and banking transactions effectively

•  Promote and cross-sell retail banking products to meet sales objectives and drive business growth

•  Enhance process efficiency, monitor customer fund movement, and ensure smooth handling of portfolios while improving productivity and service delivery

•  Coordinate with operations staff to ensure excellent service, adhere to the sales model process, and provide regular performance reports to the Branch Manager

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Build and maintain strong client relationships, achieve sales and cross-selling targets, and promote banking products to meet customer needs and generate business growth

•  : Resolve customer issues effectively, ensure compliance with banking regulations (e.g., KYC, AML), manage client portfolios, and meet or exceed performance and acquisition targets

•  Drive deposit mobilization, focusing on a cost-effective mix of CASA/TD and generating revenue through both existing portfolios and new customer acquisitions (NTB)

•  Develop and maintain strong customer relationships, ensuring high satisfaction levels, handling inquiries/complaints, and supporting customer banking transactions

•  Actively promote and cross-sell retail banking products to meet sales objectives and expand the customer base

•  Ensure smooth handling of portfolios, monitor customer fund movement, and visit clients for deposit acquisition and relationship deepening, while maintaining process efficiency

•  Coordinate with operations staff to ensure excellent service delivery, follow the sales model process, and provide timely reports to the Branch Manager, while maximizing the sale of bank products/services

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Strong ability to build and maintain client relationships, cross-sell banking products, achieve sales targets, and generate revenue from both existing portfolios and new acquisitions while delivering exceptional customer service

•  Skilled in financial analysis, portfolio management, ensuring regulatory compliance (e.g., KYC, AML), and effectively resolving client issues while staying informed about market trends and competitor offerings

•  Drive branch business growth by achieving deposit, ensuring a cost-effective mix of CASA/TD, and maintaining high service standards

•  Lead branch operations, including staff hiring, training, and performance management, while ensuring compliance with SBP regulations, internal policies, and operational controls

•  Supervise customer service delivery, resolve queries/complaints in a timely manner, and ensure compliance with SOPs, audit requirements, and security protocols

•  Oversee financial accuracy, including accruals, income/expense liquidation, and approval of expenses, while coordinating with internal/external audit teams

•  Foster a motivated and high-performing team, ensuring ongoing training, development, and adherence to regulatory requirements, while managing branch performance and service standards

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Proven ability to lead and motivate teams, drive sales growth, achieve deposit targets, and ensure excellent customer service while maintaining compliance with banking regulations and internal policies

•  Strong expertise in branch operations, financial management, risk mitigation, staff training, and maintaining high service standards while ensuring timely resolution of customer issues and adherence to regulatory requirements

•  Timely extraction and gathering of data from relevant departments for Expected Credit Loss (ECL) calculation under IFRS 9 and Credit Risk Weighted Assets computation for Capital Adequacy Ratio (CAR).

•  Conduct credit risk rating model validation and calibration of the Bank's credit portfolio on a periodic basis.

•  Identify and communicate data errors, ensuring prompt follow-up for data cleansing in core systems.

•  Review and monitor advances portfolio segmentation in line with risk characteristics, updating as required

•  Develop, review, maintain, and re-calibrate Probability of Default (PD) models for each segment, ensuring macroeconomic variable alignment with default trends.

•  Develop and maintain Loss Given Default (LGD) models for each segment.

•  Develop, maintain, and automate Exposure at Default (EAD) models in collaboration with the IT department.

•  Compute ECL on applicable financial statement items.

•  Liaise with internal/external auditors and SBP auditors for IFRS 9-related audits.

•  Assist management in impact assessment of IFRS 9 through scenario variation and analytics.

•  Support in preparation of Board Risk Management Committee (BRMC) data and presentations.

•  Minimum Bachelor’s degree from an HEC-recognized university (Master’s preferred).

•  Special Certification(s) in related field is preferred

•  Attention to Detail

•  Data Analysis and Management

•  Financial Reporting and Regulatory Knowledge

•  Problem-Solving and Analytical Thinking

•  Statistical and Modeling Expertise

•  Ensure 100% compliance with SBP and Head Office regulations to minimize penalties and financial risks.

•  Manage all export refinance facilities/products and monitor activities nationwide within assigned limits and SBP regulations.

•  Conduct internal and external audits for export refinance and bank guarantees in the southern region.

•  Lead special projects, including IMAL, related to export refinance and bank guarantee matters.

•  Maintain above-par audit and inspection ratings in all relevant domains.

•  Handle SBP and customer correspondence for export refinance and bank guarantees.

•  Reduce audit exceptions through proactive monitoring (internal, external, and SBP).

•  Prepare and present management reports on trade business income, volumes, and trends to support decision-making.

•  Manage refinance limit allocation and reallocation as per SBP laws/regulations and bank policy.

•  Oversee routine Trade Finance Operations and any additional tasks as assigned by the Line Manager.

•  Minimum Bachelor’s degree from an HEC-recognized university (Master’s preferred).

•  Special Certification(s) in related field is preferred

•  Strong knowledge of SBP regulations and trade finance processes.

•  Proven track record of achieving high compliance and audit ratings.

•  Excellent analytical, communication, and leadership skills.

•  Bank Makramah Limited is seeking a passionate **Program Manager – Learning & Development** to design and drive impactful learning initiatives across the Bank. The role focuses on building employee capabilities, strengthening leadership pipelines, and promoting a culture of continuous learning. Key Responsibilities * Design and develop learning programs (classroom, blended, and digital) aligned with organizational needs. * Curate and deliver functional, behavioral, and leadership learning interventions. * Partner with business leaders to identify training needs and learning priorities. * Manage end-to-end execution of flagship training programs (e.g., Trainee programs, Leadership development, Sales capability building). * Oversee learning calendars, training nominations, and delivery schedules. * Evaluate program effectiveness through feedback, assessments, and learning analytics. * Continuously innovate learning methods (e-learning, microlearning, simulations, gamification). * Ensure compliance with regulatory training requirements (SBP/HR regulations). * Maintain and update training records and reports for management reviews. * Support the adoption and utilization of the Learning Management System (LMS). Requirements * Minimum 3 years of relevant experience in Learning & Development. * Knowledge of instructional design, and facilitation skills. * Strong presentation and communication skills with the ability to engage diverse audiences. * Experience in managing multiple training projects simultaneously. * Proficiency in MS Office; exposure to LMS/e-learning tools is an advantage. * Bachelor’s degree (Master’s degree or certifications in Learning & Development Instructional Design preferred). Why Join Us? At Bank Makramah Limited, we believe learning is the key to success. As Program Manager – Learning & Development, you’ll play a pivotal role in shaping how our employees learn, grow, and thrive in their careers.

•  Bachelor’s degree (Master’s degree or certifications in Learning & Development Instructional Design preferred).

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