Bank of Khyber Jobs 2025 – Hub Manager – Commercial & SME (Multan & Islamabad/Gilgit Baltistan)

Bank of Khyber Hub Manager – Commercial & SME Jobs 2025 (Multan & Islamabad/Gilgit Baltistan)

Bank of Khyber (BOK) is hiring a Hub Manager – Commercial & SME for the Multan and Islamabad / Gilgit Baltistan regions—a senior post reporting to the Group Head – Commercial, SME & Agriculture Finance. Candidates need at least a Bachelor’s (Master’s preferred) with 15+ years’ credit/commercial/SME banking depth, proven portfolio growth and risk discipline, strong team leadership, and Islamic banking exposure as a plus. The role drives high-quality origination and after-sales coverage, credit & trade finance (LCs/LGs, supply-chain structures), SBP scheme execution, and area-wide target delivery under full regulatory compliance. Engagement is full-time with market-based compensation; deadline: 21 September 2025.

Quick Facts (at a glance)

Key Responsibilities

• Lead & coach TLs/RMs for high-quality origination, portfolio growth, and disciplined after-sales coverage.
• Ensure full regulatory and internal policy compliance across credit, operations, AML/CFT, and customer conduct.
• Design and execute business strategies that accelerate Commercial & SME financing while safeguarding risk-return thresholds.
• Oversee credit & trade finance activities (letters of credit, guarantees, supply-chain structures, export finance) and ensure alignment with Shariah standards where applicable.
• Leverage Government & SBP schemes/initiatives for SME growth (e.g., refinance or credit guarantee facilities) and guide clients through eligibility and documentation.
• Cultivate strong client relationships with owners/CFOs/treasurers to support long-term profitability, wallet share, and cross-sell opportunities.
• Set and monitor area-wise targets; track branch-level pipelines, approval turnaround, disbursements, early warning signals, and recovery discipline.
• Partner with Risk, Credit Admin, Trade Ops, and Shariah to keep processes clean and audit-ready.
• Any other task assigned by Management to meet business and governance objectives.

Tip: In your résumé, quantify wins—📈 portfolio growth, 🛡️ NPL containment, 💸 trade volumes, and 🤝 anchor relationships—to stand out.

Eligibility Criteria

• Education: Minimum Graduation. Preference for Master’s in Economics/Business from an HEC-recognized university. Candidates with foreign qualifications must present an HEC equivalency certificate. 🎓
• Experience: Minimum 15 years of credits experience in Corporate / Commercial / SME / Retail Banking, with visible depth in credit evaluation, strategy development, trade sales, and marketing.
• Islamic Banking Exposure: Preference for candidates with Islamic Banking experience and working knowledge of Shariah-compliant structures.
• Age: As per BOK HR Rules.
• Mindset & Skills: Leadership presence, stakeholder management, data-driven decision-making, negotiation finesse, credit structuring, and risk awareness.

How to Apply

• Online (recommended): Visit www.bok.com.pk/careers, open the Hub Manager listing, and submit your profile with updated CV.
• Email: Send CV/Resume + brief cover letter to careers@bok.com.pk with subject line “Hub Manager – Commercial & SME | [City/Region] | Your Name”.
• Courier: Mail CV + cover letter to Head Human Resourcing Division, 5th Floor, BOK HO Tower, 24–The Mall, Peshawar Cantt.

🗓️ Deadline: September 21, 2025. Only shortlisted candidates will be contacted for interviews. No TA/DA is admissible. If your degree is from a foreign university, bring the HEC equivalency at interview time.

Interview Tips (practical and role-specific)

• Credit judgment: Be ready to discuss cash-flow-based lending, rating models, security perfection, and early warning frameworks you’ve applied.
• Trade finance narratives: Share how you scaled LC/LG flows, resolved discrepancies, or set up supply-chain finance programs for anchor clients.
• SME programs: Demonstrate command of SBP schemes and how you ensured compliance while maximizing outreach.
• Islamic products: Articulate the use-case for Murabaha, Ijarah, Diminishing Musharakah, Salam/ISTISNA in working capital and asset finance.
• People leadership: Bring examples of coaching TLs/RMs, fixing under-performing territories, and driving discipline in call plans and pipeline hygiene.

FAQs
Multan and Islamabad / Gilgit Baltistan Regions, with oversight of multiple branches in the assigned geography.

How senior is the role?
This is a hub leadership position managing TLs and RMs and reporting to the Group Head – Commercial, SME & Agriculture Finance.

Is Islamic banking compulsory?
Not compulsory, but preference is given to candidates with Islamic Banking experience.

Is there a fixed age limit?
Age is governed by BOK HR Rules (follow the careers page for guidance).

What compensation is offered?
A market-based remuneration package as per Bank policy.