Regional Business Head Peshawar

Senior Leadership · Grade: VP / SVP-I / SVP · Peshawar · Closing: 21 June 2026

Job Responsibilities

• Lead and manage ZTBL’s overall business operations across the Peshawar region, overseeing branch network performance, agricultural credit disbursement, deposit mobilization, and regional profitability targets.
• Develop and implement regional business strategies aligned with ZTBL’s organizational goals, identifying growth opportunities in agricultural financing, rural banking, and farmer outreach programs across the Khyber Pakhtunkhwa region.
• Supervise branch managers and regional staff across the Peshawar region, setting performance targets, conducting regular performance reviews, and ensuring branches meet operational and compliance standards.
• Oversee agricultural loan portfolio quality within the region, monitoring non-performing loans (NPLs), recovery efforts, and credit risk management practices to maintain a healthy loan book.
• Build and maintain relationships with regional government agencies, agricultural extension departments, farmer associations, and other stakeholders to support ZTBL’s mandate of agricultural development financing.
• Ensure all regional operations comply with State Bank of Pakistan regulations, ZTBL’s credit policies, and internal control frameworks, coordinating with audit and compliance teams on regulatory matters.
• Drive financial inclusion initiatives and digital banking adoption across the region, expanding ZTBL’s reach to underserved farming communities through branchless banking and mobile financial services.
• Prepare and present regional business performance reports, budget proposals, and strategic plans to ZTBL’s senior management and Board, providing insights on regional market dynamics and growth opportunities.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Business Administration, Banking, Finance, Agriculture, or related field from an HEC-recognized university
• Experience: Substantial senior banking experience including regional or branch network management, with a strong track record in agricultural or rural finance
• Key Skills: Regional business leadership, agricultural credit portfolio management, branch network oversight, regulatory compliance, stakeholder relationship management
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Head Credit Policy

Senior Leadership · Grade: SVP-I / SVP · Closing: 28 June 2026

Job Responsibilities

• Lead the formulation, review, and continuous improvement of ZTBL’s credit policy framework, ensuring policies support sound agricultural lending practices while managing credit risk across the bank’s loan portfolio.
• Develop credit risk assessment criteria, lending limits, collateral requirements, and approval authority frameworks tailored to ZTBL’s agricultural and rural finance lending products.
• Ensure ZTBL’s credit policies remain compliant with State Bank of Pakistan prudential regulations, Basel framework requirements, and other applicable regulatory standards governing credit risk management.
• Analyze portfolio-wide credit risk trends, non-performing loan patterns, and sector-specific exposure (crop financing, livestock, agri-business) to recommend policy adjustments that mitigate emerging risks.
• Collaborate with Credit Operations, Risk Management, and Regional Business teams to ensure credit policies are practically implementable and effectively communicated across ZTBL’s branch network.
• Lead the development of new agricultural credit products and financing schemes in response to evolving farmer needs, government agricultural initiatives, and changes in the rural finance landscape.
• Present credit policy recommendations, portfolio risk analyses, and policy change proposals to ZTBL’s Credit Committee, Risk Management Committee, and Board of Directors for approval.
• Provide guidance and training to credit officers and regional teams on credit policy interpretation, ensuring consistent application of lending standards across ZTBL’s nationwide branch network.

Requirements & Qualifications

• Education: Master’s degree in Business Administration, Finance, Banking, Economics, or related field from an HEC-recognized university; relevant professional certifications (e.g., risk management) are an advantage
• Experience: Substantial senior-level experience in credit policy formulation, credit risk management, or agricultural lending within the banking sector
• Key Skills: Credit policy development, agricultural credit risk frameworks, SBP regulatory compliance, portfolio risk analysis, product development, Board-level reporting
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Credit Operation

Credit Operations · Grade: VP-I / VP · Closing: 28 June 2026

Job Responsibilities

• Oversee end-to-end credit operations for ZTBL’s agricultural loan portfolio, including loan application processing, documentation review, disbursement, and post-disbursement monitoring across the branch network.
• Ensure all credit operations activities comply with ZTBL’s credit policy, State Bank of Pakistan regulations, and internal control requirements, maintaining accurate and auditable loan documentation.
• Manage the credit administration function including loan account maintenance, collateral documentation, insurance compliance, and security perfection for agricultural loans disbursed through ZTBL branches.
• Coordinate with branch credit officers nationwide to resolve credit processing bottlenecks, ensuring timely loan disbursement to farmers during critical agricultural seasons (Kharif/Rabi).
• Monitor loan portfolio quality indicators including disbursement volumes, recovery rates, and non-performing loan ratios, identifying operational issues that contribute to portfolio deterioration.
• Implement and oversee credit operations systems and digital tools to streamline loan processing, reduce turnaround times, and improve data accuracy across ZTBL’s credit administration function.
• Liaise with Credit Policy, Audit, and Risk Management departments to ensure credit operations practices align with policy requirements and respond to audit findings related to credit administration.
• Prepare periodic credit operations reports for senior management, summarizing disbursement performance, portfolio health, and operational efficiency metrics across ZTBL’s branch network.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Business Administration, Banking, Finance, or related field from an HEC-recognized university
• Experience: Substantial experience in credit operations, credit administration, or agricultural loan processing within the banking sector
• Key Skills: Credit administration, loan processing systems, collateral and documentation management, regulatory compliance, portfolio monitoring
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Senior Auditor / Audit Team Lead

Audit & Internal Control · Grade: AVP-I / AVP · Closing: 28 June 2026

Job Responsibilities

• Lead internal audit assignments across ZTBL’s branches, regional offices, and head office departments, planning audit scope, sample sizes, and testing procedures in accordance with the bank’s annual audit plan.
• Conduct risk-based audits of credit operations, treasury functions, IT systems, and administrative processes, evaluating the adequacy and effectiveness of internal controls across ZTBL’s operations.
• Lead and supervise audit teams during field assignments, allocating tasks, reviewing work papers, and ensuring audit fieldwork is completed within planned timelines and to required quality standards.
• Identify control weaknesses, policy non-compliance, and operational risks during audits, preparing detailed audit findings with root cause analysis and practical recommendations for corrective action.
• Prepare comprehensive audit reports for review by the Chief Internal Auditor and Audit Committee, ensuring findings are clearly communicated with supporting evidence and management responses.
• Follow up on implementation status of previously issued audit recommendations, verifying that branch and department management have taken adequate corrective action within agreed timelines.
• Liaise with external auditors, State Bank of Pakistan inspection teams, and other regulatory bodies during examinations, providing audit documentation and addressing queries as required.
• Stay current with banking regulations, SBP circulars, and internal audit best practices, contributing to continuous improvement of ZTBL’s internal audit methodology and audit quality standards.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Accounting, Finance, Commerce, or related field from an HEC-recognized university; CA-Finalist, ACCA, CIA, or CISA certification preferred
• Experience: Relevant experience in internal audit, risk-based auditing, or banking operations audit, with team leadership experience for the Audit Team Lead role
• Key Skills: Risk-based audit methodology, internal controls evaluation, audit report writing, team leadership, banking operations knowledge
• Other: Willingness to travel to ZTBL branches and regional offices for field audit assignments
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Internal Auditor Quality Assurance Analyst

Audit & Internal Control · Grade: OG-I / AVP-I / AVP · Closing: 28 June 2026

Job Responsibilities

• Conduct quality assurance reviews of internal audit work papers, audit reports, and audit methodologies to ensure compliance with ZTBL’s internal audit charter and applicable professional auditing standards (IIA Standards).
• Develop and maintain quality assurance frameworks, checklists, and review templates that ensure consistency and quality across all internal audit engagements conducted by ZTBL’s audit teams.
• Review completed audit assignments for adequacy of evidence, soundness of conclusions, and clarity of audit findings, providing feedback to audit teams to improve audit quality and documentation standards.
• Identify gaps in internal audit processes, methodologies, or staff competencies through quality assurance reviews, recommending training interventions and process improvements to the Chief Internal Auditor.
• Support periodic external quality assessments of ZTBL’s internal audit function, coordinating with external assessors and ensuring readiness for independent quality reviews as required by regulatory standards.
• Monitor adherence to audit planning timelines, resource allocation, and audit universe coverage, ensuring the internal audit function operates efficiently and addresses ZTBL’s highest-risk areas.
• Maintain quality assurance metrics and dashboards tracking audit quality trends over time, presenting periodic quality assurance reports to internal audit leadership.
• Support continuous improvement initiatives within the internal audit function, including adoption of data analytics tools, audit management software, and updated audit methodologies aligned with industry best practices.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Accounting, Finance, or Commerce from an HEC-recognized university; CIA, CISA, or other audit-related certification preferred
• Experience: Relevant experience in internal audit quality assurance, audit methodology, or internal audit operations within the banking sector
• Key Skills: IIA Standards (International Standards for the Professional Practice of Internal Auditing), quality assurance review, audit methodology development, audit analytics
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Audit Team Member

Audit & Internal Control · Grade: OG-I · Closing: 28 June 2026

Job Responsibilities

• Execute audit fieldwork as part of audit teams conducting internal audits of ZTBL branches, regional offices, and head office departments in accordance with the approved audit program.
• Perform substantive and compliance testing of transactions, loan files, cash management procedures, and administrative records, documenting test results accurately in audit work papers.
• Verify physical assets, cash balances, and collateral documents during branch audits, comparing physical verification results against book records and reporting any discrepancies identified.
• Review compliance with ZTBL’s policies and procedures, SBP regulations, and internal control requirements during audit assignments, flagging instances of non-compliance for further investigation.
• Assist the Audit Team Lead in preparing draft audit observations, gathering supporting evidence, and organizing documentation for inclusion in the final audit report.
• Maintain organized audit files and working papers in accordance with ZTBL’s audit documentation standards, ensuring all evidence is properly referenced and retrievable for review.
• Travel to assigned branches and regional offices as part of audit teams, completing fieldwork within scheduled timeframes and reporting progress to the Audit Team Lead.
• Participate in follow-up audits to verify implementation of previously recommended corrective actions, documenting evidence of management’s response to prior audit findings.

Requirements & Qualifications

• Education: Bachelor’s degree in Accounting, Finance, Commerce, or related field from an HEC-recognized university
• Experience: Entry to mid-level experience in audit, banking operations, or finance; fresh candidates with relevant academic background may be considered
• Key Skills: Audit testing procedures, documentation, attention to detail, banking operations familiarity, MS Office
• Other: Willingness to travel for audit assignments at branches and regional offices
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Financial Data Analyst

Data & Analytics · Grade: AVP-I / AVP · Closing: 28 June 2026

Job Responsibilities

• Analyze ZTBL’s financial data including loan portfolio performance, deposit trends, profitability metrics, and branch-level financial statements to generate insights for management decision-making.
• Develop and maintain financial reporting dashboards and management information system (MIS) reports that consolidate data from ZTBL’s core banking system and finance systems for periodic review.
• Conduct variance analysis comparing actual financial performance against budgets and targets, identifying drivers of variances and preparing explanatory commentary for senior management.
• Support preparation of ZTBL’s financial statements, regulatory financial returns, and statutory reports by compiling and validating underlying financial data from various departments and systems.
• Develop financial forecasting models and scenario analyses to support ZTBL’s budgeting process, capital planning, and strategic financial decision-making by senior management and the Board.
• Collaborate with Credit Operations, Treasury, and Regional Business teams to gather and validate data inputs required for financial analysis and performance reporting across the bank.
• Identify data quality issues in financial reporting systems, working with IT and relevant departments to resolve discrepancies and improve the accuracy of financial data used for analysis.
• Prepare ad-hoc financial analyses and presentations as requested by senior management, supporting strategic initiatives, regulatory submissions, and Board-level financial discussions.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Finance, Accounting, Economics, or related field from an HEC-recognized university; ACCA, CFA, or CA-Finalist preferred
• Experience: Relevant experience in financial analysis, MIS reporting, or financial planning within the banking sector
• Key Skills: Financial analysis, variance analysis, financial modeling, Excel/Power BI, banking financial statements, MIS reporting
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Senior Data Analyst / DBA

Data & Analytics · Grade: AVP-I / AVP · Closing: 28 June 2026

Job Responsibilities

• Administer and maintain ZTBL’s databases supporting the core banking system and other critical applications, ensuring database performance, availability, and data integrity across the bank’s IT infrastructure.
• Design and implement data architecture, database schemas, and data warehousing solutions that support ZTBL’s reporting, analytics, and regulatory data requirements.
• Conduct advanced data analysis on ZTBL’s banking data including customer segmentation, loan portfolio analytics, and branch performance analysis to support business intelligence and decision-making.
• Perform database backup, recovery, security configuration, and performance tuning activities, ensuring databases meet availability and disaster recovery requirements for critical banking applications.
• Develop and optimize SQL queries, stored procedures, and ETL (Extract, Transform, Load) processes to support data extraction, transformation, and loading for reporting and analytics purposes.
• Collaborate with IT, Finance, Risk Management, and Credit Operations teams to understand data requirements and design database solutions and data models that support cross-departmental analytics needs.
• Implement data governance and data quality controls across ZTBL’s database systems, ensuring data accuracy, consistency, and compliance with internal data management policies and regulatory requirements.
• Provide technical support and troubleshooting for database-related issues affecting ZTBL’s banking applications, coordinating with vendors and internal IT teams to resolve incidents promptly.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Computer Science, Information Technology, Data Science, or related field from an HEC-recognized university
• Experience: Relevant experience in database administration, data analytics, or data warehousing within a banking or large enterprise IT environment
• Key Skills: SQL/Oracle/SQL Server database administration, ETL processes, data warehousing, data modeling, performance tuning, banking data analytics
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs

Investigator / Inquiry Officer

Investigation & Compliance · Grade: OG-I · Closing: 28 June 2026

Job Responsibilities

• Conduct investigations into reported cases of fraud, financial irregularities, policy violations, and misconduct within ZTBL’s branches and departments, gathering evidence in accordance with the bank’s investigation procedures.
• Serve as Inquiry Officer for formal departmental inquiries against employees, conducting fact-finding proceedings, recording statements from involved parties and witnesses, and preparing inquiry reports with findings and recommendations.
• Review loan files, transaction records, and supporting documentation related to suspected fraud cases or credit irregularities, identifying discrepancies and tracing the sequence of events leading to the irregularity.
• Coordinate with branch management, HR, Legal, and Internal Audit departments during investigations, ensuring all relevant information is collected and investigations are conducted in compliance with ZTBL’s policies and applicable laws.
• Prepare detailed investigation reports documenting findings, root causes, financial impact (where applicable), and recommendations for disciplinary action, recovery measures, or process improvements.
• Maintain confidentiality and objectivity throughout investigation and inquiry processes, ensuring due process is followed and findings are based on verifiable evidence rather than assumptions.
• Support recovery efforts related to identified fraud or financial loss cases, working with Legal and Credit Operations teams to pursue recovery of misappropriated funds where applicable.
• Maintain a case management log of all investigations and inquiries handled, tracking case status, timelines, and outcomes for periodic reporting to management.

Requirements & Qualifications

• Education: Bachelor’s degree in Law, Business Administration, Accounting, or related field from an HEC-recognized university; LL.B preferred
• Experience: Relevant experience in investigations, fraud examination, departmental inquiries, or compliance within the banking sector
• Key Skills: Investigation techniques, evidence gathering and documentation, inquiry proceedings, fraud detection, report writing, knowledge of banking service rules
• Other: Willingness to travel to branches for investigation and inquiry assignments; high standard of integrity and confidentiality
• Gender: Male / Female
• Apply: ztbl.com.pk/jobs