Current Openings

•  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

•  Minimum Bachelors or Equivalent degree from HEC in finance, Business, Risk Management, or related field recognized Local/Foreign University

•  Special Certification(s) in related field is preferred

•  Proficiency in risk management tools and software

•  Proficient in Financial Modelling

•  Strong analytical, communication, and collaboration skills

•  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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•  To lead and drive end-to-end recruitment strategy and execution for Branch Banking roles nationwide, including volume and batch hiring initiatives, ensuring timely acquisition of high-quality talent aligned with business growth and expansion plans.

•  Lead end-to-end recruitment for Branch Banking positions including Branch Managers, Operations Managers, Relationship Managers, CASA Sales, Credit Officers, Tellers, and other frontline roles.

•  Manage large-scale, regional, and batch hiring drives to support branch expansion, new branch launches, and replacement planning.

•  Plan and execute walk-in interviews, assessment days, and mass recruitment campaigns.

•  Partner closely with Regional & Area Managers for workforce planning and hiring forecasts.

•  Ensure achievement of hiring KPIs including TAT, quality of hire, and cost optimization.

•  Demonstrate strong understanding of branch banking structures and KPIs (CASA growth, NTB acquisition, cross-sell targets, portfolio management).

•  Assess candidates on banking product knowledge, regulatory requirements, operational risk awareness, and sales capabilities.

•  Develop and monitor recruitment dashboards (TAT, pipeline strength, offer-to-join ratio, source effectiveness, batch hiring conversion ratios).

•  Utilize analytics to forecast workforce demand and improve sourcing strategies.

•  Present structured MIS reports and hiring insights to leadership. Drive data-backed hiring decisions.

•  Maintain strong knowledge of the banking/NBFC talent landscape across regions.

•  Leverage LinkedIn, job portals, social media platforms, referrals, vendor partnerships, and personal industry networks.

•  Conduct competitor mapping and compensation benchmarking.

•  Build strong talent pipelines for critical and high-volume roles.

•  Conduct structured and competency-based interviews.

•  Ensure compliance with recruitment policies and audit requirements.

•  Support employer branding initiatives including job fairs and career expos.

•  Minimum Bachelor’s degree from an HEC Recognized University (MBA/PGDM in HR preferred).

•  Special Certification(s) in related field is preferred.

•  Proven experience managing volume and batch hiring campaigns.

•  Strong expertise in recruitment analytics and reporting.

•  Strategic Workforce Planning.

•  Volume & Batch Hiring Management.

•  Data Interpretation & Reporting.

•  Technical Understanding of Banking Roles.

•  Strong Market Knowledge & Networking.

•  Influencing & Negotiation.

•  Data-Driven Decision Making.

•  Can-Do Attitude & High Ownership.

•  To manage end-to-end hiring for Corporate & Support Functions at Head Office and support execution of the Management Trainee Program (MTO) to build a strong future leadership pipeline.

•  Manage recruitment for HR, Finance, Risk, Compliance, IT, Operations, Legal, Marketing, Audit, and other support functions.

•  Coordinate with functional heads to understand technical and competency requirements.

•  Ensure timely closure of mid-level and niche positions.

•  Support end-to-end execution of the Management Trainee Program including campus engagement, CV screening, assessment coordination, and interview management.

•  Coordinate with universities for campus drives and employer branding initiatives.

•  Assist in planning and executing assessment centers.

•  Maintain strong candidate engagement during pre-joining and onboarding stages.

•  Develop strong understanding of corporate support functions and required technical competencies.

•  Screen candidates based on functional expertise and domain knowledge.

•  Conduct structured and competency-based preliminary interviews.

•  Maintain recruitment trackers and dashboards for support functions and MTO hiring.

•  Analyze hiring trends, source effectiveness, and conversion ratios.

•  Provide data-driven insights and reports to HR leadership.

•  Conduct market research and competitor mapping.

•  Leverage LinkedIn, job portals, referrals, campus networks, and personal professional networks.

•  Stay updated with salary trends and talent availability in Karachi market.

•  Minimum Bachelor’s degree from an HEC Recognized University (MBA/PGDM in HR preferred).

•  Special Certification(s) in related field is preferred.

•  Technical Understanding of Corporate Functions

•  Data & Analytics Orientation

•  Market Knowledge & Networking Strength

•  Stakeholder Coordination

•  Multi-Role Management

•  Data-Driven Approach

•  Attention to detail

•  Can-Do Attitude & Execution Focus

•  Responsible for managing and growing SME & Commercial portfolios with a focus on asset generation, credit structuring, and maintaining strong client relationships while ensuring compliance.

•  Acquire new SME & Commercial clients and achieve assigned targets

•  Manage and grow credit portfolio while maintaining asset quality

•  Analyze financials and structure credit proposals

•  Ensure compliance with SBP, KYC & AML requirements

•  Build strong client relationships and cross-sell products

•  Coordinate with internal stakeholders for smooth processing

•  Bachelor’s/Master’s degree

•  Special Certification(s) in related field is preferred.

•  Credit analysis & financial evaluation

•  Business development & negotiation

•  Relationship management

•  Knowledge of SBP regulations

•  Communication & stakeholder management

•  Supports Relationship Managers in portfolio management, credit processing, MIS reporting, and coordination with internal stakeholders.

•  Assist in managing SME portfolios and renewals

•  Support credit proposal preparation and documentation

•  Maintain MIS and client reporting

•  Coordinate with Credit, CAD, Risk, and Operations

•  Support recovery and follow-ups

•  Assist in achieving business targets

•  Bachelor’s degree

•  Special Certification(s) in related field is preferred.

•  Coordination & organizational skills

•  Basic financial understanding

•  Communication skills

•  Attention to detail

•  Teamwork & learning mindset

•  Responsible for acquiring new asset clients, supporting credit processing, and assisting in portfolio management and business growth.

•  Acquire new SME asset clients and build pipeline

•  Assist in credit processing and documentation

•  Maintain client relationships and conduct market visits

•  Support portfolio monitoring and renewals

•  Ensure compliance with SBP, KYC & AML requirements

•  Coordinate with internal teams for processing

•  Bachelor’s degree

•  Special Certification(s) in related field is preferred.

•  Sales & business development

•  Basic credit knowledge

•  Relationship building

•  Communication skills

•  Result-oriented approach

•  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

•  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

•  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