Career Opportunities at BML
Job Responsibilities:
• 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
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:
1 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
30-Mar-2025
Apply NowJob 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:
Karachi
Application Deadline:
31-Mar-2025
Apply NowJob Responsibilities:
• 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
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:
1-3 years relevant Experience within banking industry
Skills:
• 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
Location:
Multiple Locations across Pakistan
Application Deadline:
30-Mar-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:
30-Mar-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:
30-Mar-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:
30-Mar-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:
30-Mar-2025
Apply NowJob Responsibilities:
• Review & supervises Trade related and Personal Remittances activities from the perspective of Money Laundering and Sanctions Screening
• Conduct sanctions screening for all the parties involved in all transaction of Trade, Bank Guarantees and Foreign Remittances as per the process defined in SOP for sanctions screening for inward/outward remittances & foreign trade transactions
• Conduct sanction screening of EFE, MFE, EIF and MIF before certification/issuance
• Ensuring transactions from/to high risk countries or countries prohibited as per Compliance AML/CFT/CPF Policy are not executed and referred to Unit Head – AML for further review
• Check the involvement of related / unrelated third parties
• Check transactions where port of discharge of goods is different from beneficiary’s country
• Price verification of all trade related transactions manually through various websites
• Description of Item / products / goods in specific trade transactions shall be checked against the list of HS codes provided by the GOP, in order to ensure that no items that are prohibited / banned / restricted get shipped
Department:
Compliance Division
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:
06 – 08 years of relevant experience with Islamic Banking exposure
Skills:
• Strong understanding of Anti-Money Laundering (AML), Counter Financing of Terrorism (CFT) regulations, and Sanctions Screening processes across Trade and Remittance operations
• Skilled in reviewing Trade, Foreign Remittance, and Bank Guarantee transactions to identify potential TBML risks, third-party involvement, and unusual transactional patterns
• Experience in identifying and escalating transactions involving high-risk or prohibited jurisdictions, ensuring strict adherence to internal compliance policies
• Capable of conducting manual price verification and matching goods descriptions against HS codes to detect restricted, banned, or misclassified items in trade
• Excellent analytical and communication skills with proficiency in MS Office (especially Excel and PowerPoint), complemented by strong reporting and presentation abilities
Location:
Head Office, Karachi
Application Deadline:
06-Apr-2025
Apply NowJob Responsibilities:
• Partner with leadership to drive HR strategies that support business objectives and organizational growth
• Support recruitment, succession planning, and leadership development to ensure top talent acquisition and retention
• Advise managers and employees on resolving workplace issues and ensure policy consistency and legal compliance
• Manage performance review cycles and coach managers in setting clear goals and providing constructive feedback
• Guide the development and implementation of PIPs for underperforming employees, set improvement goals, and monitor progress. Ensure fairness and compliance during the process
• Collaborate on competitive salary structures and support managers in implementing compensation strategies
• Analyze HR data to provide insights into trends such as turnover, employee engagement, and performance
• Ensure compliance with labor laws and industry standards, and mitigate HR-related risks
• Lead initiatives to boost employee morale, foster collaboration, and enhance retention
• Support the business during organizational changes and ensure smooth transitions
Department:
Human Resources Division
Qualification:
• Bachelor's degree in HR, Business, or related field (Master's or HR certification preferred)
Certification:
• Special Certification(s) in related field is preferred
Job Experience:
6-8 years of HR Business Partnering experience in the banking/financial services sector, with a focus on employee relations, performance management, and HR strategy
Skills:
• Ability to align HR practices with business goals and manage change
• Works well with cross-functional teams and uses data to inform decisions
Location:
Head Office, Karachi
Application Deadline:
13-Apr-2025
Apply NowJob Responsibilities:
• Develop and implement effective strategies to attract and hire top talent for support functions, ensuring the recruitment process aligns with the bank’s objectives and culture
• Collaborate with department heads and HR leadership to forecast hiring needs and create recruitment plans that meet business objectives
• Lead the full recruitment cycle, from sourcing and screening candidates to conducting interviews and extending offers
• Ensure a smooth and efficient recruitment process, delivering high-quality candidates within established timelines
• Develop and execute strategies for sourcing candidates through multiple channels including job boards, social media, recruitment agencies, and networking events
• Manage and oversee campus recruitment programs, internships, and other hiring programs to build a strong talent pipeline for future hiring needs
• Partner with hiring managers across departments to understand job requirements and provide recruitment guidance
• Provide insights and regular updates to senior management on recruitment metrics, including time-to-fill, cost-per-hire, and quality of hire
• Ensure a positive candidate experience by maintaining clear communication throughout the recruitment process
• Promote Bank Makramah’s employer brand to attract top talent by participating in career fairs, networking events, and enhancing the bank's online presence
• Mentor and guide junior team members in the Talent Acquisition team, fostering a collaborative and high-performance environment
• Provide training on best practices, tools, and techniques in recruitment.
Department:
Human Resources 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:
Minimum 6 years of proven experience in talent acquisition, preferably with a focus on support functions and program hiring. Experience in the banking or financial services industry is a plus
Skills:
• Strong leadership and team-building skills
• Ability to work in a fast-paced environment and handle high volumes of recruitment
• A proactive approach with a focus on continuous improvement
Location:
Head Office, Karachi
Application Deadline:
13-Apr-2025
Apply NowJob Responsibilities:
• Assist Head Operational Risk in identifying, assessing, monitoring & reporting Operational Risks across all business and functions
• Conduct bank-wide Risk & Controls Self-Assessment (RCSA) exercises, prepare workshop plans, and coordinate with stakeholders for meetings
• Review policies and procedures of departments/business functions for which the RCSA is being conducted
• Identification of inherent risks in each process during RCSA exercise & assist in creating operational risk awareness/culture across the bank
• Collect and analyze Key Risk Indicators (KRIs) to effectively monitor and assess operational risks
• Analyze and compile Operational Loss Data Collection (OLDC) to identify and assess potential and actual operational losses
• Assist in conducting Business Continuity Plan (BCP) test at regular intervals
• Provide trainings / awareness sessions of ORM, Green Banking and BCP to BML staff members nominated by HR
• Report Green Banking data to SBP quarterly in accordance with SBP Green Banking guidelines
• Assist in preparation of operational risk dash boards, presentations and coordinate with different units for preparing Operational Risk Data Pack for Senior Management / BRMC quarterly
• Assist in the annual Internal Audit/SBP inspection by providing data, responding to queries, and addressing initial observations
• To undertake any other duties as requested by the Line Manager in accordance with the scope and responsibilities of the role
Department:
Risk Management 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:
1-3 years relevant Experience within banking industry
Skills:
• Ability to identify, assess, monitor, and report operational risks across business functions
• – Experience in conducting RCSA exercises, analyzing Key Risk Indicators (KRIs), and compiling Operational Loss Data
• Knowledge of SBP guidelines, Green Banking requirements, and audit/inspection processes
• Skilled in BCP testing, training staff on risk management, and fostering a risk-aware culture
• Strong communication skills to collaborate with departments, prepare risk reports, and support senior management
Location:
Head Office, Karachi
Application Deadline:
13-Apr-2025
Apply Now