Bank of Khyber Jobs 2025 – Head – Consumer Finance Division, Regional Head Corporate Banking, Area Managers, Branch Managers & Relationship Managers

Head – Consumer Finance Division, Regional Head Corporate Banking, Area Managers, Branch Managers & Relationship Managers Jobs 2025 – Bank of Khyber Careers (Pakistan)

Bank of Khyber has opened exciting new Bank of Khyber jobs 2025 for experienced banking professionals across Pakistan. Vacancies are available for Head – Consumer Finance Division (Retail Banking Group), Regional Head – Corporate Banking (Corporate & Investment Banking Group), Area Managers, Branch Managers, Relationship Managers – Corporate, and Relationship Managers – Commercial & SME, based in Peshawar, Lahore, Islamabad, Baluchistan, AJK and major cities across Pakistan including Karachi, Gujrat, Sialkot and Khyber Pakhtunkhwa (KP). These are full-time leadership and relationship-based roles in retail, corporate and SME banking, ideal for candidates who want to build their career with a well-established government bank offering both conventional and Islamic banking services.

1. Job Position Details 📋

🕒 Important: Only shortlisted candidates will be contacted for interviews. No TA/DA will be admissible for appearing in the interview.

2. Role-Wise Overview & Expected Profiles

The official advertisement guides applicants to the careers page for detailed eligibility criteria. Below is a helpful, reader-friendly overview of what these roles generally involve in a leading commercial bank like Bank of Khyber.

2.1 Head – Consumer Finance Division (Retail Banking Group)

This is a senior leadership role based at Head Office, Peshawar.

Key focus areas:

• Driving the bank’s consumer finance portfolio (personal loans, home finance, auto finance, credit cards and other retail products).
• Designing competitive retail products that comply with State Bank of Pakistan regulations and internal risk policies.
• Leading teams responsible for product development, credit policy, risk management and portfolio performance.
• Building strong relationships with branches and regional offices for consumer lending growth.
• Using data-driven insights to control delinquency, improve credit quality and enhance profitability.

Typical candidate profile (indicative):

• Postgraduate degree in Business, Finance, Economics or a related field.
• Extensive experience in consumer banking / retail lending, including leadership of large teams.
• Strong understanding of consumer credit risk, product design, analytics and digital channels.
• Strategic mindset, proven track record in portfolio growth and NPL control.

2.2 Regional Head – Corporate Banking (Corporate & Investment Banking Group)

This position is based in Lahore, leading corporate banking strategy and execution within the assigned region.

Core responsibilities:

• Managing a regional portfolio of large local and multinational corporate clients.
• Overseeing structured finance, trade finance, working capital and term lending.
• Ensuring high-quality asset growth within approved risk appetite and internal policies.
• Coordinating with credit, risk, treasury and investment banking teams.
• Mentoring relationship teams and achieving regional revenue, cross-sell and CASA targets.

Indicative profile:

• Strong academic background in Finance/Business/Economics.
• Deep and proven experience in corporate relationship management and credit evaluation.
• Excellent networking with corporate clients, regulators and industry stakeholders.
• Demonstrated ability to lead regional teams and deliver sustainable profitability.

2.3 Area Managers

Area Managers are responsible for a cluster of branches in Islamabad and Baluchistan.

Key responsibilities:

• Achieving area targets for deposits, advances, fee income and service quality.
• Ensuring strict compliance with operational, regulatory and Shariah guidelines (where applicable).
• Coaching and evaluating Branch Managers, driving performance and succession planning.
• Acting as the primary link between the region and branches.

Indicative profile:

• Strong branch banking background, ideally with multi-branch supervisory experience.
• Solid understanding of both liability and asset products in retail and SME segments.
• Strong leadership, communication and people-management skills.

2.4 Branch Managers (Across Pakistan & AJK)

Branch Managers lead the frontline teams that directly interact with customers.

Responsibilities:

• Full responsibility for branch business, operations, audit and service.
• Growing deposits, securing quality advances and cross-selling bank products.
• Ensuring smooth functioning of counters, cash, ATM, remittances and digital channels.
• Implementing KYC/AML guidelines and internal controls.

Indicative profile:

• Significant experience in branch operations and/or business development.
• Strong local market knowledge and existing customer relationships.
• Ability to manage teams, handle pressure and deliver on business plans.

2.5 Relationship Managers – Corporate

These roles are based in Islamabad, Lahore, Karachi, Gujrat, Sialkot, KP and other major cities.

Core responsibilities:

• Managing a defined portfolio of corporate customers, ensuring high service standards.
• Sourcing new corporate relationships and achieving assigned business targets.
• Preparing credit proposals, financial spreads and industry analysis.
• Coordinating with operations, trade, treasury and risk teams to deliver solutions.

Indicative profile:

• Experience in corporate or commercial banking, with exposure to lending and trade products.
• Strong analytical skills and ability to understand financial statements.
• Excellent communication and relationship-building skills.

2.6 Relationship Managers – Commercial & SME

These positions focus on commercial and small & medium enterprise (SME) clients, in the same major locations as above.

Key responsibilities:

• Acquiring and managing SME/commercial customers in various sectors.
• Providing working capital finance, term loans and trade facilities as per bank policy.
• Conducting credit assessments, visiting client sites and monitoring accounts.
• Supporting documentation, collateral evaluation and post-disbursement monitoring.

Indicative profile:

• Hands-on exposure to SME or commercial lending.
• Good understanding of local markets, industries and risk dynamics.
• Strong sales drive with disciplined portfolio monitoring and recovery skills.

3. Eligibility & General Requirements ✅

While detailed criteria are available on the official careers portal, applicants should generally expect the following:

• Education:
  • Minimum bachelor’s degree from a recognized institution in business administration, commerce, economics, finance, accounting or a related discipline.
  • Candidates with a master’s degree, professional banking qualifications (e.g., IBP, CFA, ACCA) or additional certifications in credit, risk or Islamic banking will be at an advantage.
• Experience:
  • Senior leadership posts (Head Consumer Finance, Regional Head Corporate Banking) typically require 10–15+ years of relevant banking experience with several years in a leadership role.
  • Area Managers and Branch Managers usually require 7–10 years of branch banking/area management experience.
  • Relationship Managers often require 3–7 years of experience in the relevant segment (corporate, commercial, SME).
• Skills & Competencies:
  • Strong business development and relationship-building skills.
  • Sound credit understanding and knowledge of banking regulations.
  • Excellent communication, negotiation and presentation abilities.
  • Proficiency in MS Office and core banking systems.
  • Commitment to ethical banking practices and customer service.
• Other Requirements:
  • Only shortlisted candidates will be invited for interview.
  • No TA/DA will be provided for the interview.
  • Candidates with degrees from foreign universities must present HEC equivalence at the time of interview.
  • Employment will be subject to fulfillment of background checks and bank policies.

4. How to Apply – Step-by-Step Guide 📝

Interested and eligible candidates can apply through either of the following methods (as per the advertisement):

Method 1: Apply Online (Preferred)

1. Visit the Official Careers Portal
   Go to the Bank’s careers page:
   👉 www.bok.com.pk/careers
2. Search for the Relevant Position
   • Look for the latest announcement titled similar to “Head Consumer Finance Division – Retail Banking Group”, “Regional Head Corporate Banking”, “Area Managers”, “Branch Managers”, “Relationship Managers – Corporate/Commercial & SME” with the 2025 closing dates.
   • Open each vacancy to review detailed eligibility criteria, responsibilities and grade/scale.
3. Create or Log in to Your Account
   • If you are a new user, create an applicant profile using a valid email address.
   • Existing users can simply log in and update their profiles if needed.
4. Complete the Online Application Form
   • Fill in personal details, educational history, employment record and contact information carefully.
   • Upload a recent photograph, copies of academic certificates and any professional certifications if the portal allows.
5. Attach CV / Resume
   • Prepare a professional CV highlighting your banking experience, current designation, key achievements and portfolio size.
   • Tailor your CV to the particular role (e.g., emphasize portfolio management for Relationship Managers, leadership and strategy for Head/Regional Head roles).

Method 2: Apply via Courier / Post

For candidates who cannot apply online (where allowed by the bank):

1. Prepare an updated Curriculum Vitae (CV) indicating your contact details, qualifications, experience and current salary.
2. Write a brief but clear covering letter, indicating the position you are applying for and preferred location (where applicable).
3. Mention the post on the top left corner of the envelope.
4. Send your CV and covering letter addressed to:

Head Human Resources Division
Bank of Khyber
5th Floor, BOK HO Tower, 24-The Mall, Peshawar Cantt, Pakistan