Chief Risk Officer (CRO) / Group Head – Risk Management

Executive Level · Risk Management · 1 Post

Job Responsibilities

• Develop, implement, and maintain BOK’s enterprise-wide risk management framework covering credit risk, market risk, liquidity risk, operational risk, and reputational risk in full alignment with SBP prudential regulations and Basel standards.
• Chair the Bank’s risk committees, presenting risk dashboards, stress test results, risk appetite statements, and early warning indicators to the Board Risk Committee and senior management on a regular basis.
• Oversee the credit risk function, reviewing and approving large credit exposures, setting credit underwriting standards, monitoring portfolio quality, and managing NPL resolution strategies in coordination with the credit and recovery teams.
• Lead the development and regular review of BOK’s risk appetite framework, ensuring risk limits are calibrated to the bank’s capital base, business strategy, and SBP regulatory requirements.
• Direct the market and liquidity risk management functions, overseeing ALM (Asset Liability Management) strategies, interest rate risk in the banking book (IRRBB) monitoring, and liquidity coverage ratio (LCR) compliance.
• Supervise the operational risk function, ensuring risk and control self-assessments (RCSAs), key risk indicators (KRIs), and incident reporting are systematically implemented across all BOK business units and branches.
• Represent BOK in regulatory engagements with SBP’s offsite and onsite supervisory teams, coordinating responses to SBP risk-related observations and ensuring timely remediation of identified deficiencies.
• Lead and develop the Risk Management Group team, building capacity in quantitative risk modeling, IFRS 9 ECL estimation, stress testing, and emerging risk identification methodologies.

Requirements & Qualifications

• Education: MBA / MS Finance / CA / ACCA or equivalent from HEC-recognized or internationally accredited institution
• Experience: Senior banking experience with proven leadership of enterprise risk management functions
• Key Skills: Enterprise risk frameworks, Basel, SBP prudential regulations, credit risk, IRRBB, operational risk, stress testing
• Industry: Banking / Financial Services
• Gender: Male / Female
• Apply: bok.com.pk/careers

Chief Compliance Officer (CCO) / Group Head – Compliance

Executive Level · Compliance · 1 Post

Job Responsibilities

• Develop and lead BOK’s compliance management framework, ensuring the bank fully adheres to all applicable SBP regulations, Banking Companies Ordinance, SECP requirements, and other relevant laws and directives.
• Oversee BOK’s AML/CFT (Anti-Money Laundering / Combating the Financing of Terrorism) program, including customer due diligence (CDD), transaction monitoring, suspicious transaction reporting (STR), and FATF compliance readiness.
• Manage BOK’s regulatory relationships with SBP, FMU (Financial Monitoring Unit), and other authorities, coordinating timely responses to regulatory inquiries, inspection findings, and compliance reports.
• Ensure implementation of SBP circulars, prudential regulations, and policy directives across all BOK business lines, branches, and subsidiaries through the compliance monitoring and testing program.
• Chair or participate in BOK’s compliance committees, presenting compliance dashboards, regulatory change impact assessments, and policy gap analyses to the Board Compliance Committee and senior leadership.
• Lead the annual compliance risk assessment, identifying emerging regulatory risks, sanctions exposure, and conduct risk areas requiring enhanced controls or policy updates.
• Develop and deliver compliance training programs for BOK staff across all levels, building a culture of regulatory awareness and ethical conduct throughout the bank’s network.
• Review and approve new product and service launches from a compliance perspective, ensuring all regulatory requirements are met before products are introduced to customers.

Requirements & Qualifications

• Education: MBA / LLB / LLM / CA / ACCA or equivalent with relevant compliance expertise
• Experience: Senior banking compliance leadership with AML/CFT, SBP regulations, and regulatory affairs background
• Key Skills: AML/CFT, SBP regulations, compliance frameworks, regulatory affairs, FATF standards, compliance training
• Certification: CAMS (Certified Anti-Money Laundering Specialist) or equivalent preferred
• Gender: Male / Female
• Apply: bok.com.pk/careers

Head – Budgeting & Planning Department

Senior Management · Finance Group · 1 Post

Job Responsibilities

• Lead BOK’s annual budgeting cycle end-to-end, coordinating with all business groups, support functions, and branch network to compile, consolidate, and finalize the bank’s annual operating plan and capital expenditure budget.
• Develop and maintain BOK’s medium-term financial planning model (3–5 year plan), incorporating macroeconomic assumptions, business growth projections, regulatory capital requirements, and strategic investment plans.
• Prepare and present monthly budget vs. actual variance analyses, identifying drivers of financial performance deviations and presenting actionable recommendations to senior management.
• Provide strategic financial forecasting support to BOK’s senior leadership and board, including rolling forecasts, scenario analyses, and sensitivity models for key business decisions.
• Coordinate with the accounting, management reporting, and SBP reporting teams to ensure budget data, actual financial data, and regulatory returns are consistent and reconciled.
• Liaise with SBP and external auditors during supervisory reviews and annual audits, providing budgeting and planning documentation, assumptions, and financial projections as required.
• Manage and develop the Budgeting & Planning team, building technical capability in financial modeling, Excel-based planning tools, and banking-sector forecasting methodologies.

Requirements & Qualifications

• Education: MBA / CA / ACCA / CFA or equivalent from HEC-recognized institution
• Experience: Senior banking finance experience with budgeting, financial planning, and forecasting background
• Key Skills: Financial modeling, budgeting, variance analysis, strategic planning, bank financial management
• Gender: Male / Female
• Apply: bok.com.pk/careers

Head – ICFR Department (Internal Control over Financial Reporting)

Senior Management · Finance Group · 1 Post

Job Responsibilities

• Design, implement, and maintain BOK’s Internal Control over Financial Reporting (ICFR) framework, ensuring that all financial reporting processes are supported by adequate, well-documented, and tested internal controls.
• Lead the annual ICFR assessment cycle, coordinating control owner testing, independent testing, and remediation tracking across all significant financial reporting processes in BOK’s Finance Group and business units.
• Document and maintain BOK’s process narratives, risk and control matrices (RCMs), flowcharts, and test scripts for all ICFR-relevant financial reporting processes.
• Identify and assess ICFR deficiencies, classify findings as significant deficiencies or material weaknesses, and develop and monitor remediation plans to resolution with process owners.
• Liaise with external auditors on ICFR-related matters during the annual statutory audit, providing documentation, walk-throughs, and evidence to support auditor’s review of financial reporting controls.
• Monitor regulatory developments and updates to financial reporting standards (IFRS, SBP directives) that may require enhancements to BOK’s ICFR control environment.
• Provide advisory support to the Finance Group on control design for new financial reporting processes, system implementations, and policy changes that introduce new financial reporting risks.

Requirements & Qualifications

• Education: CA / ACCA / MBA Finance from HEC-recognized or internationally accredited institution
• Experience: Banking or financial services experience in ICFR, internal audit, or financial controls with hands-on assessment and documentation background
• Key Skills: ICFR framework, SOX-equivalent controls, risk and control matrices, financial reporting, external audit liaison
• Gender: Male / Female
• Apply: bok.com.pk/careers

Head – Taxation Unit

Senior Management · Finance Group · 1 Post

Job Responsibilities

• Oversee all tax compliance obligations of the Bank of Khyber, including timely filing of income tax returns, withholding tax statements, sales tax on services returns, and other statutory tax filings with FBR and provincial revenue authorities.
• Develop and implement BOK’s tax planning strategy to legitimately minimize the bank’s effective tax burden while ensuring full compliance with the Income Tax Ordinance 2001, Banking Companies Ordinance, and applicable tax regulations.
• Manage BOK’s withholding tax (WHT) obligations, ensuring accurate deduction and deposit of WHT on customer transactions, vendor payments, salary disbursements, and other taxable payments in line with current FBR rates and exemptions.
• Represent BOK in tax audit proceedings, assessment appeals, and hearings before the Tax Commissioner and Appellate Tribunal, coordinating with external tax counsel where required.
• Monitor changes to Pakistan’s tax laws, FBR Finance Act amendments, and SROs (Statutory Regulatory Orders) affecting the banking sector, assessing their financial impact and updating BOK’s tax processes accordingly.
• Compute current and deferred tax provisions in accordance with IAS 12 (Income Taxes) for inclusion in BOK’s quarterly and annual financial statements, coordinating with the accounting and external audit teams.
• Liaise with the legal and finance teams on complex tax issues, restructuring transactions, and new product launches to ensure optimal tax treatment and compliance from inception.

Requirements & Qualifications

• Education: CA / ACCA / MBA Finance with strong taxation background
• Experience: Banking sector taxation experience covering corporate income tax, WHT, and tax litigation
• Key Skills: Income Tax Ordinance, WHT management, FBR compliance, deferred tax (IAS 12), tax planning, tax litigation
• Gender: Male / Female
• Apply: bok.com.pk/careers

IFRS 9 Specialist

Specialist · Finance Group · 1 Post

Job Responsibilities

• Own and execute BOK’s IFRS 9 Expected Credit Loss (ECL) modeling process, including development and validation of Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models for the bank’s loan portfolio.
• Perform quarterly and annual ECL calculations across all credit exposure stages (Stage 1, Stage 2, Stage 3), ensuring accurate classification, measurement, and disclosure in BOK’s financial statements.
• Develop and maintain forward-looking macroeconomic scenarios and overlays required under IFRS 9, incorporating GDP growth, inflation, interest rate, and sectoral economic indicators into the ECL estimation process.
• Manage the IFRS 9 model governance framework, documenting model assumptions, methodology papers, validation results, and change logs in accordance with internal model risk management standards.
• Coordinate with the Risk Management, Credit, and Accounting teams to ensure ECL data inputs (exposure data, credit ratings, collateral values) are accurate, complete, and timely for each reporting period.
• Respond to external auditor queries on IFRS 9 methodology, ECL model outputs, and stage allocation decisions, providing clear technical explanations and supporting documentation.
• Monitor global and SBP regulatory developments affecting IFRS 9 implementation for Pakistani banks, assessing the impact of guidance updates on BOK’s ECL models and financial reporting disclosures.

Requirements & Qualifications

• Education: CA / ACCA / MS Finance / CFA with strong IFRS 9 technical expertise
• Experience: Banking sector experience in IFRS 9 ECL modeling, credit risk modeling, or financial reporting
• Key Skills: IFRS 9, ECL modeling, PD/LGD/EAD, macroeconomic overlays, financial statement disclosures, model governance
• Technical Tools: Excel / Python / R for ECL calculations preferred
• Gender: Male / Female
• Apply: bok.com.pk/careers

Finance Group Officers – Management Reporting, Accounting, SBP Reporting, Financial Planning & Pre Audit

Officer Level · Finance Group · 5 Posts

BOK’s Finance Group is hiring one Officer for each of five specialist units. All positions are officer-level, full-time, and based at BOK’s Head Office or designated location.

Common Requirements for All 5 Officer Positions

• Education: MBA Finance / CA (Inter) / ACCA (Affiliate or Member) / BBA (Finance) from HEC-recognized institution
• Experience: Banking or financial services experience in the relevant unit function preferred
• Key Skills (vary by unit): IFRS, SBP returns, financial statements, ledger management, MIS reporting, budgeting, pre-audit checks
• Last Date: 10 June 2026
• Apply: bok.com.pk/careers – Select the specific unit position when applying

Branch Services Officer

Branch Operations · Multiple Locations · Multiple Posts

Job Responsibilities

• Deliver high-quality customer service at the branch counter, handling customer inquiries, resolving complaints, processing service requests, and ensuring every customer interaction reflects BOK’s service standards.
• Process account opening requests for individual and corporate customers, verifying KYC (Know Your Customer) documentation, CNIC verification, and CDD (Customer Due Diligence) requirements in compliance with BOK’s AML/CFT policies.
• Perform teller operations including cash deposits, cash withdrawals, fund transfers, utility bill payments, demand draft issuance, and remittance processing, ensuring accurate transaction posting and balancing at day end.
• Process customer instructions for standing orders, account maintenance requests, cheque book issuance, debit card applications, and internet banking enrollment through BOK’s core banking system.
• Ensure strict compliance with SBP regulations, BOK’s operational policies, and internal control requirements during all branch transaction and service activities.
• Identify cross-selling and upselling opportunities during customer interactions, referring eligible customers to relevant product teams for asset, liability, and digital banking solutions.
• Maintain branch records, registers, and physical documentation in an organized manner, supporting branch management during internal and external audit visits.

Requirements & Qualifications

• Education: Bachelor’s degree (BBA / B.Com / BA) from HEC-recognized university
• Experience: Banking experience in branch operations, teller, or customer service preferred; fresh graduates from relevant disciplines may be considered
• Key Skills: Customer service, KYC/CDD, teller operations, core banking system, cash handling, AML compliance
• Gender: Male / Female
• Apply: bok.com.pk/careers