Career Opportunities at BML
Job Responsibilities:
• Conduct financial analysis, financial modeling, and credit need assessments to evaluate clients' creditworthiness for long-term and short-term funded and non-funded credit facilities
• Develop and maintain strong client relationships through regular communication and visits
• Manage and grow an existing portfolio of clients, ensuring their financial needs are met and identifying opportunities for upselling and cross-selling banking products
• Monitor and manage portfolio risk, ensuring adherence to internal credit policies and regulatory guidelines
• Onboard new clients by performing due diligence and KYC checks, ensuring compliance with regulatory requirements
• Proficient in MS Office, with strong communication skills in both English and Urdu
Department:
SME & Commercial Banking
Qualification:
• Minimum Bachelors or Equivalent degree from HEC in finance, Business, Risk Management, or related field recognized Local/Foreign University
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
At least 5 years relevant Banking Experience within banking industry
Skills:
• Proficiency in risk management tools and software
• Proficient in Financial Modelling
• Strong analytical, communication, and collaboration skills
Location:
Head Office, Karachi
Application Deadline:
30-Oct-2025
Apply NowJob Responsibilities:
• Manage and grow an existing portfolio of clients, ensuring their financial needs are met and identifying opportunities for upselling and cross-selling banking products
• Conduct financial analysis, financial modeling, and credit need assessments to evaluate clients' creditworthiness for long-term and short-term funded and non-funded credit facilities
• Onboard new clients by performing due diligence and KYC checks, ensuring compliance with regulatory requirements
• Develop and maintain strong client relationships through regular communication and visits, including willingness to travel to interior Sindh
• Monitor and manage portfolio risk, ensuring adherence to internal credit policies and regulatory guidelines
• Proficient in MS Office, with strong communication skills in both English & Sindhi.
Department:
SME & Commercial Banking
Qualification:
• Minimum Bachelors or Equivalent degree from HEC in finance, Business, Risk Management, or related field recognized Local/Foreign University
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
3-5 years Relevant experience within banking industry
Skills:
• Communication and Interpersonal Skills
• Proficiency in risk management tools and software
• Proficient in MS Office, with strong communication skills
Location:
Head Ofice, Karachi & Regional Office, Hydrabad
Application Deadline:
30-Oct-2025
Apply NowJob Responsibilities:
• 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
Department:
Branch Operations
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
• Master’s Degree is a Plus
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
3-5 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
31-Dec-2025
Apply NowJob Responsibilities:
• 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
Department:
Branch Banking
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
• Master’s Degree is a Plus
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
1-3 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
31-Dec-2025
Apply NowJob Responsibilities:
• 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
Department:
Branch Banking
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
• Master’s Degree is a Plus
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
Minimum 3 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
31-Dec-2025
Apply NowJob Responsibilities:
• 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
Department:
Branch Banking
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
• Master’s Degree is a Plus
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
3-5 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
31-Dec-2025
Apply NowJob Responsibilities:
• Execute audit assignments as directed by the Team Lead/Unit Head – Management Audits, covering Divisions, Departments, or other special assignments as required
• Conduct audits of assigned areas and activities in accordance with the approved audit plan, identifying any violations or deviations from established systems, procedures, and controls using audit tools such as Risk & Financial Analysis
• Review and assess the Standard Operating Procedures (SOPs) of the auditee to ensure compliance with regulatory requirements and internal policies
• Collect, analyze, and assess data and information necessary for audit planning, identifying potential risk areas before initiating fieldwork
• Regularly update the Team Lead/Unit Head on the progress of audit work and highlight any issues or challenges encountered
• Discuss significant audit findings with the Team Lead/Unit Head throughout the audit process to facilitate timely corrective actions
• Share relevant audit findings and information with other audit staff to ensure alignment and support across the team
• Ensure the quality and consistency of audit work, maintaining thorough and well-organized audit documentation, including working papers and information collected during the audit, for future reference
• Uphold confidentiality and adhere to the highest standards of ethical conduct regarding the information collected during audits, as stipulated in the code of ethics
• Continuously stay informed of the latest developments, regulatory updates, and best practices in the banking industry to ensure audits are conducted in line with current standards and procedures
• Demonstrate strong attention to detail, critical thinking, and the ability to proactively identify risks and opportunities for process improvements
• Exhibit strong communication and interpersonal skills to effectively collaborate with team members and auditees, fostering a constructive audit environment
Department:
Audit & Inspection
Qualification:
• Bachelor degree in Accounting and Finance or related fields from HEC recognized University or accredited Foreign University, ACCA/CA Finalists or equivalent
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
• Minimum 6 years of internal auditing experience in banking, preferably 3 years in Management Audits
Skills:
• • Expertise with Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software
• Knowledge of or ability to use Bank software, including related business and audit software
Location:
Head Office, Karachi
Application Deadline:
30-Oct-2025
Apply NowJob Responsibilities:
• To prepare the restructuring /rescheduling /settlements / renewals of credit facilities approvals and present the cases to Group Head of SAM for review and onward concurrence for further approvals from the higher management
• Prepare annual renewals of existing relationship to judge the overall profitability of the a/c as well as future earnings
• Strong follow up for recovery of over dues pertaining to principal and mark-up from defaulters
• To resolve customer complaints, inquiries and problems promptly in order to ensure smooth business transactions in account
• Ensure completion of documentation formalities of approved cases with CAD (Credit Administration) for smooth flow of operations in the accounts
• To ensure that Credit Risk Analysis package of all the existing clients are prepared and presented to the credit committee for approval on timely basis
• To ensure recovery of Non-Performing Loans through negotiations, out of court compromise settlement and work out restructuring in a manner to lead the case towards declassification
Department:
Special Assets Management
Qualification:
• MBA Finance, ACCA, ACMA, CA
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
10 years plus of relevant experience in banking industry
Skills:
• Ability to assess and manage credit risks, conduct in-depth financial analysis, and develop strategies for restructuring, rescheduling, and settlement of credit facilities
• In-depth knowledge of banking regulations, SBP guidelines, and internal procedures, with a proven track record of managing client relationships and ensuring smooth operations in the SAM division
Location:
Head Office, Karachi
Application Deadline:
31-Dec-2025
Apply NowJob Responsibilities:
• Responsible for maintaining & managing assigned credit portfolio
• Responsible for identification of potential (assets) customers, visiting their place of business and gather market repute
• Responsible for processing credit proposals and obtaining reports and confidential opinions from relevant stakeholders
• Responsible to analyze and filter requests from clients. Discuss commercial terms with clients and examine their business structure
• Scrutinize the credit info required to assess applications, initiate discussions with relevant Line Manger
• Present / recommend credit proposals to the relevant sanctioning authority
• Responsible for risk grading analysis of fresh and existing customers at the time of raising credit proposal/renewal or as and when required
• Responsible for renewal of existing customer’s credit limits at least two months prior to its expiry date
• Responsible for periodic inspection of hypothecated and pledged stocks of the customer
• Responsible for markup/charges recovery (periodically or as and when required) of assigned credit customers
• Responsible for monitoring customer performance through regular review of accounts, customer visits and financial statements, while also monitoring and maintaining credit quality to ensure minimal non-performing advances
• Responsible for keeping close coordination/liaison with CAD, CPU, Treasury, Operations and Customers
• Ensure adherence to all control measures relative to approved facilities
• Ensure completion of all documentation as per approved terms in liaison with the customer and relevant departments i.e. CAD, CPU Trade, Head Office etc
• Responsible for periodically obtaining relevant reports from the customer i.e. stock reports, insurance & any other document/information as per approved credit terms
• Responsible for the recovery/settlement of his/her delinquent portfolio with utmost effort
• Ensure compliance to Know Your Customer (KYC) and Anti Money laundering (AML) requirements in all dealings with existing and potential customers
• Ensure cross-selling of Bank’s products to maximize business from each connection
• Promote a client-centric approach towards building successful and profitable business relationships, in order to achieve growth in assets, liabilities, net income and new customer acquisitions for the Bank
• Ensure that Customer queries/complaints are resolved in a reasonable time (or as per defined TAT) depending upon the nature of the complaint
• Undertake any other duties/ targets/services as requested by the Line Manager in accordance with the scope and responsibilities of the role
Department:
SME and Commercial Banking Division
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
3+ years relevant Experience within banking industry
Skills:
• Attention to detail
• Performance oriented
• Problem solving skills
Location:
Multiple Locations across Pakistan
Application Deadline:
30-Oct-2025
Apply NowJob Responsibilities:
• Check & Supervised all ADC Channel Reconciliation & Settlements
• Handling of Customer Complaints through Call Center & Branches
• To Supervise discuss significant findings with the Immediate Supervisor
• To Ensure resolution of overall disputes within stipulated regulatory compliance
• Check & Supervised SDRS, CDRS, Call Center Complaints
• To Manage & authorize Limits, Permission of Debit Cards and Internet Banking
• To provide guidance to the team regarding for the best practices of their respective areas
• To Manage and supervise CRMU and ensure resolution within SBP TAT
• Reconciliation & Settlements of MPG
• Reconciliation & Settlements of IBFT through VRG
• RAAST Reconciliation & Settlements
Department:
Country Operations
Qualification:
• A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
12 Years of Branch Banking & Country Operations Experience
Skills:
• Attention to detail
• Performance oriented
• Problem solving skills
• Excellent communication, audit handling, and policy development skills
• Ability to prioritize and meet critical deadlines
Location:
Head Office, Karachi
Application Deadline:
23-Nov-2025
Apply NowJob Responsibilities:
• Supervise all ADC Channels reconciliation & settlements
• Handling of customer complaints received through call center & Branches
• To supervise discuss significant findings with Line Manager
• To ensure resolution of overall disputes within stipulated time frame
• Supervise SDRS, CDRS, MPG & Call Center Complaints
• To provide guidance to the team regarding for the best practices of their respective areas
• ATM FT/ IBFT Limit enhancements
• Settlement of CFC entries (1 Link net off positon) in SBP & Cross GL
• Reconciliation & Settlements of IBFT through VRG
• 10. Undertake any other duties as requested by the Line Manager in accordance with the scope and responsibilities of the role
• 11. To make the necessary arrangements for receiving the statement of accounts on centralized location and make the centralized controls to avoid fraud & forgeries
• To ensure daily reconciliation of other bank accounts
• 13. Identifying any unreconciled entries and highlight to line manager supervise discuss significant findings with Line Manager
• All accounts maintained with other banks position and reconciliation
• Account balances with other Banks to be monitored on daily basis
Department:
Country Operations
Qualification:
• Min. Bachelor’s (preferably Master’s) in related fields
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
05 to 07 years of relevant experience with Islamic Banking exposure
Skills:
• Problem solving skills
• Attention to detail
• Performance oriented
• Ability to prioritize and meet critical deadlines
Location:
Head Office, Karachi
Application Deadline:
23-Nov-2025
Apply Now