Zarai Taraqiati Bank Limited (ZTBL) Career Opportunities New 2025

Zarai Taraqiati Bank Limited (ZTBL) Career Opportunities New 2025

ZTBL, a AAA rated renowned specialized financial institution with a wide network of over 500 Branches across the country, is inviting applications from energetic and challenge-oriented professionals with proven track record and capacity to perform as a catalyst for transformation in a challenging environment. Please note that all positions are Islamabad based, except where specially mentioned. The individuals who fulfill the basic eligibility criteria may apply for the positions.

Vacant Positions and Job Descriptions

1. Head Liability Business

(SVP/VP/AVP/OG-I) | Experience: Minimum 10 years’ experience in Bank/Financial Institution (FI). | Qualification: Minimum Bachelor Degree from HEC recognized National/International University/Institution. | Job Responsibilities:

• Formulate and execute business plan, strategies, and staff targets for the Bank’s overall business plan.
• Oversee liability products and campaigns.
• Establish and manage key institutional clients (farmers, SMEs, corporates, retail, and digital customers).
• Monitor market trends, pricing, competitive positioning, and profitability of the liability portfolio.
• Oversee deposit mobilization of over 500 branches.
• Design and roll out marketing, awareness, and campaigns.
• Oversee management of Cash Deposit Centers (CASA) and long-term funds.
• Manage institutional relationship with key clients/fund managers.
• Formulate digital channels strategy.
• Improve branch performance and internal control.
• Ensure adherence to SBP regulations, internal policies, and procedures.
• Manage oversight of deposit pricing, cost of funds, and profitability.
• Implement effective risk management practices.
• Any other task assigned by the management.

2. Unit Head – Product Development

(AVP/VP/OG-I) | Experience: Minimum 08 years’ experience in Bank/Financial Institution (FI). | Qualification: Minimum Bachelor Degree from HEC recognized National/International University/Institution. | Job Responsibilities:

• Design and develop new liability products (CASA, term deposits, specialized deposit schemes, savings, pensions, etc.) for various customer segments (farmers, SMEs, corporates, retail, youth, women, pensioners).
• Benchmark new products against market trends and introduce innovative solutions.
• Ensure timely pricing, product features, and value propositions.
• Work closely with Head Liability Business, Regional Business Head, Zonal Heads, Branch Managers, and design material.
• Coordinate with Risk Management and Legal departments.
• Manage enhancement to branch capability and product training.
• Develop attractive product features and loyalty programs.
• Analyze data to refine product performance.
• Coordinate with Internal Audit for a smooth product rollout.
• Liaise with the IT department for system design and implementation.
• Any other task assigned by the management.

3. Head Credit Policy

(SVP/VP/AVP/OG-I) | Experience: Minimum 12 years’ experience in Bank/Financial Institution (FI). | Qualification: Minimum Bachelor Degree from HEC recognized National/International University/Institution. | Job Responsibilities:

• Develop, review, and update the Bank’s Credit Policy and Credit Manual to ensure robust risk management frameworks.
• Develop and implement agricultural credit policies and programs, with special attention to climate change.
• Ensure all credit portfolios adhere to policy and procedure.
• Prepare and submit the department’s annual financial budget.
• Scrutinize and execute draft credit policies and procedure statements.
• Ensure addressal and coordinate the resolution of all observations raised in internal and external audit reports related to policy and procedures.
• Supervise the performance of all credit schemes and portfolios.
• Authorize and issue instructional circulars and guidance notes.
• Liaise with other departments.
• Coordinate and evaluate the performance of digital credit initiatives.
• Maintain effective liaison with key stakeholders (SBP, PBC, Federal Government, Provincial Governments, Bank of Pakistan, etc.).
• Any other task assigned by the management.

4. Head Credit Operation

(VP/AVP/OG-I) | Experience: Minimum 10 years’ experience in Bank/Financial Institution (FI). | Qualification: Minimum Bachelor Degree from HEC recognized National/International University/Institution. | Job Responsibilities:

• Prepare, implement, and monitor the Bank’s annual credit plan.
• Ensure preparation of quarterly markup subsidy claims.
• Manage and control disbursement processes.
• Liaise with various government bodies and public officials.
• Ensure compliance with SBP regulations and internal policies.
• Prepare quarterly markup subsidy claims.
• Ensure all loans are disbursed within 45 days.
• Any other task assigned by the management.

5. Unit Head – Remedial Asset Management

(OG-I) | Experience: Minimum 05 years’ experience in Bank/Financial Institution (FI). | Qualification: Minimum Bachelor Degree from HEC recognized University/Institution (National/International). | Job Responsibilities:

• Portfolio Analysis to shift inherent trends in Collections/Recoveries.
• Identify data-based improvement areas.
• Coordinate with legal department.
• Implement robust collections/recovery strategy.
• Manage timely/accurate data collection.
• Monitoring and persuasion for the achievement of bucket-wise recovery targets.
• Any other task assigned by the management.

6. Software Development / Net Technology

(VP/AVP/OG-I) | Experience: Minimum 10 years’ relevant professional experience in Bank/Financial Institution/Fintech company. | Qualification: Minimum Bachelor Degree from HEC recognized University/Institution (National/International). | Job Responsibilities:

• Assist in the analysis, design, and development of software systems.
• Work with systems analysts and stakeholders.
• Create and update technical documentation.
• Perform unit testing and debugging.
• Collaborate with team members.
• Stay current with trends.
• Offer technical support and troubleshoot issues.
• Any other task assigned by the management.

7. Unit Head – Contact Center QA & Development

(OG-I) | Experience: Minimum 05 years’ relevant professional experience. | Qualification: Minimum Bachelor Degree from HEC recognized University/Institution (National/International). | Job Responsibilities:

• Monitor inbound/outbound calls to adhere to quality standards.
• Ensure agent performance based on predefined quality metrics.
• Provide feedback to Agents and Team Leads to improve service quality.
• Identify training needs.
• Maintain detailed records of all Quality Assurance (QA) activities.
• Conduct QA of customer communication.
• Conduct root cause analysis.
• Any other task assigned by the management.

8. IT-Administrator Treasury Division

(OG-I (Islamabad based)) | Experience: Minimum 05 years’ relevant professional experience. | Qualification: Minimum Bachelor Degree from HEC recognized University/Institution (National/International). | Job Responsibilities:

• Ensure network connectivity.
• Manage security patches.
• Administer and manage treasury systems.
• Monitoring application performance.
• Coordinate with SBP IT support.
• Manage security and access rights.
• Responsible for ensuring any hardware/software issues are resolved.
• Ensure disaster recovery systems are functional.
• Candidate should be able to handle MS-SQL Treasury systems.
• Candidate should be able to handle SBP related issues.
• Coordinate with IT management.
• Provide technical support, software installation, and email configuration.
• Any other task assigned by the management.

Eligibility/Ineligibility Criteria

• Maximum age limit for SVP is 55 years, VP is 50 years, AVP is 45 years, OG-I is 40 years and OG-II is 35 years (on closing date).
• Market competitive remuneration will be offered.
• The applicant must possess excellent communication, analytical, interpersonal, adaptability, and teamwork skills.
• Successful candidates will be required to submit surety bonds.
• ZTBL is an equal opportunity employer; females and PWDs are encouraged to apply.
• Only shortlisted candidates after scrutiny of documents will be called for tests/interviews.
• Interested candidates may apply online through website: https://www.ztbl.com.pk by October 12, 2025. Only online submission of application within due date will be accepted.
• The Bank reserves the right to accept or reject any application/without assigning any reason, thereof.

For any query please contact: Head (Recruitment & Appointment), ZTBL Head Office, Islamabad @ 051-9252724 PID(I)2066/25