Bank of Khyber Jobs 2025 — BOK Heads & Managers (Digital Banking Group, Islamabad & Peshawar)

Bank of Khyber Jobs 2025 — Heads & Managers (Digital Banking Group, Islamabad & Peshawar)

Bank of Khyber (BoK) invites applications for senior leadership and management roles in its Digital Banking Group based in Islamabad and Peshawar. Positions include: Head – Digital Channels Growth, Head – Cards & Payments, Head – Product Development & Innovation, Head – Data Analytics & AI, Head – Digital Acceptance, plus managerial tracks: Manager – Merchant Alliances, Manager – UX & Design Lab, Manager – Customer Analytics, Manager – Acceptance Network Expansion, Manager – Scheme & Partner Relations, and Manager – Revenue & P&L Management. Grades range from AVP-I to SVP-I for Head roles and AVP-I to VP-I for Manager roles. These are full-time positions under bank HR policies, with duty stations in Islamabad / Peshawar and cross-functional collaboration across Cards, Payments, Acceptance, Data & Analytics, Design, and Revenue Management.

Position Details (At a Glance)

📌 Job Type: Full-time (regular/contract as per bank policy).
🧭 Travel: Inter-city travel may be required for partner, merchant, and regulator meetings.

What You’ll Do (Responsibilities)

Head – Digital Channels Growth

• Set vision and OKRs for mobile and internet banking growth—registrations, KYC completion, MAU/DAU, conversion to funded actions.
• Build growth loops and in-app journeys for account opening, bill payments, funds transfer, and lending offers.
• Orchestrate CRM journeys (onboarding, activation, cross-sell, win-back) with event-based triggers.
• Lead experimentation: A/B test funnels, reduce drop-offs, and optimize app store presence and ratings.

Head – Cards & Payments

• Own issuing strategy across debit/credit/prepaid; roadmap chip/NFC/virtual cards; enhance risk controls (3-D Secure, tokenization).
• Govern acquiring economics: MDR, chargebacks, settlement TAT, dispute resolution.
• Ensure compliance with SBP frameworks, scheme rules, and PCI-DSS standards.

Head – Product Development & Innovation

• Operate a discovery-to-delivery pipeline using agile methods and design sprints.
• Build APIs/Open Banking connectors with secure consent.
• Pilot embedded finance with ecosystem partners (marketplaces, ride-hailing, billers).
• Maintain a balanced portfolio: core enhancements, regulatory change, and horizon-3 bets.

Head – Data Analytics & AI

• Establish data governance, golden sources, and model monitoring; work with Risk and Compliance for fair-use.
• Deliver use-cases: next-best-offer, early fraud signals, credit line optimization, NPS drivers, and Ops automation.
• Publish a data product catalog and self-service dashboards for senior leadership.

Head – Digital Acceptance

• Expand QR/POS/e-commerce acceptance with cost-efficient deployments.
• Improve uptime, transaction success rates, and merchant TAT for onboarding and settlements.
• Build omnichannel checkout experiences and value-added services (EMI, coupons, loyalty).

Manager Tracks (highlights)

• Merchant Alliances: sign anchor merchants, manage co-funded promos, and measure ROI.
• UX & Design Lab: maintain the design system, run usability labs, ensure WCAG-aligned accessibility.
• Customer Analytics: run segmentation, build dashboards, and evaluate campaign impact and LTV.
• Acceptance Network Expansion: plan deployment by corridor, keep uptime SLAs, and drive cost per active terminal down.
• Scheme & Partner Relations: handle scheme reporting, audits, incentives, and certification calendars.
• Revenue & P&L Management: manage pricing, commission models, and monthly variance analysis with Finance.

Who Should Apply (Qualifications) ✅

• Education: Bachelor’s or Master’s in Business, Computer Science/Software Engineering, Data/Statistics, Design, or related fields from an HEC-recognized institution. Foreign degrees require HEC equivalency at interview. 📝
• Experience: Demonstrated success in digital banking, cards/payments, analytics, product, UX, or partner management—senior leadership for Head roles; hands-on delivery for Manager roles.
• Skills:
  • Strong stakeholder management with regulators, schemes, processors, and technology vendors.
  • Comfort with data-driven decision making; understanding of unit economics and risk controls.
  • Familiarity with SBP regulations, PCI-DSS, AML/CFT controls, and information security practices.
  • For design roles: proficiency in user research, prototyping, and accessibility.
  • For analytics roles: experience with dashboards, segmentation, attribution, and lifecycle modeling.
• Mindset: Ownership, clarity in communication, and bias for ethical, customer-centric outcomes.

How to Apply (Step-by-Step)

1. Visit Careers Page 🔎
   Go to www.bok.com.pk/careers for detailed job responsibilities, eligibility, and the online application form.
2. Apply Online OR Courier Application
   • Online: Create/Sign in to your candidate profile, complete all sections, and upload documents (CNIC, updated CV, educational certificates, experience letters, and—if applicable—HEC equivalency).
   • Courier (Alternative): Send your Curriculum Vitae with a Covering Letter to:
     Head Human Resourcing Division, 5th Floor, BOK HO Tower, 24-The Mall, Peshawar Cantt.
3. Submission Deadline 📅
   Ensure your application reaches BoK not later than September 26, 2025. Late or incomplete applications are not entertained.
4. Interview & Verification
   • Only shortlisted candidates are contacted.
   • If your degree is foreign, bring HEC equivalency to the interview.
   • Keep original documents ready for verification.