JOIN OUR TEAM - Relationship Manager - SME @ NBP
"The Nation's Bank", National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, NBP is contributing significantly towards socioeconomic growth with an objective to transform the institution into a future-fit, agile and sustainable Bank.
In line with our strategy, the Bank is looking for highly motivated, confident and career-oriented individuals in the area of Inclusive Development as Relationship Manager – SME, OG II.
Place of Posting
NBP is hiring Relationship Managers - SME for multiple cities across Pakistan: Abbottabad, Bannu, Faisalabad, Gujranwala, Gujrat, Hyderabad, Jhang, Jhelum, Karachi, Larkana, Mianwali, Mirpurkhas, Multan, Peshawar, Sahiwal, Sargodha, Sheikhupura, Sialkot, Sukkur, Swat, Vehari.
Eligibility Criteria
Education / Qualification
Minimum Graduation or equivalent from a local or International University / College / Institute recognized by the HEC of Pakistan.
Preference: Candidates having a Master's degree in business and/or any other professional certifications such as AIBP, JAIBP will be preferred.
Age Limit
Maximum 28 years as on last date of submission of application.
Experience Required
Minimum 01 year of banking experience in Sales and/or Relationship Management. Fresh graduates are not eligible - prior banking experience mandatory.
Outline of Main Duties / Responsibilities
- Client Acquisition: To identify and acquire new SME clients to grow the Bank's SME lending portfolio
- Strategy Development: To develop and execute a client acquisition strategy in alignment with organizational goals
- Product Promotion: To promote the Bank's financing products, including working capital, trade finance, and term loans
- Relationship Management: To manage and enhance existing client relationships to ensure portfolio retention and growth
- Portfolio Review: To regularly review the financial health and performance of clients to identify potential risks and opportunities
- Client Visits: To conduct periodic client visits and provide updates on portfolio performance
- Credit Analysis: To analyze financial statements and business models of SME clients to assess creditworthiness
- Solution Structuring: To structure and recommend appropriate financing solutions tailored to client needs
- Credit Proposals: To prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines
- Risk Management: To ensure credit facilities are approved within the risk appetite of the Bank and monitor accounts for early warning signals
- Compliance: To maintain compliance with the Bank's policies, procedures and regulatory requirements
- Collaboration: To collaborate with internal stakeholders to provide seamless client service
- Target Achievement: To achieve financial and non-financial targets, including revenue, portfolio growth and client satisfaction
- KPIs: To contribute to the Bank's overall strategy by meeting Key Performance Indicators
Other Knowledge / Competencies Required
- Multitasking: Ability to manage multiple tasks, prioritize work effectively, and meet assigned targets
- Banking Knowledge: Basic understanding of banking products and services, with exposure to Commercial and SME Banking
- Geographical Knowledge: Good geographical knowledge of the assigned area and surrounding business area
- Regulatory Knowledge: Sound knowledge of SBP Prudential Regulations and regulatory requirements related to Commercial & SME lending
- Soft Skills: Strong interpersonal, communication, and customer relationship management skills
- Sales Orientation: Strong sales orientation, with the ability to identify business opportunities and achieve assigned targets
- Credit & Finance: Strong understanding of Credit Lending, SME Financing and Trade Finance
- IT Skills: Proficiency in Microsoft Office, including Microsoft Word, Microsoft PowerPoint, and Microsoft Excel
Why Join NBP as Relationship Manager - SME
1. Work at "The Nation's Bank": NBP is Pakistan's largest public sector bank with 1,500+ branches, Rs. 4+ trillion assets. Strongest brand value in banking sector for your CV.
2. Competitive Salary OG-II: Relationship Manager OG-II salary Rs. 85,000 - 130,000/month basic + sales incentives Rs. 20,000 - 60,000/month. Total package Rs. 105,000 - 190,000/month. Plus annual bonus, medical, pension.
3. Fast Career Growth: RM OG-II → Senior RM OG-I in 2-3 years → Assistant Vice President AVP in 5-6 years → VP in 8-10 years earning Rs. 300,000 - 500,000/month. NBP has structured promotion policy.
4. SME Banking Exposure: SME is fastest growing segment in Pakistan. Learn credit analysis, trade finance, working capital - skills valued globally. Opens doors to corporate banking, risk, and branch management.
5. Job Security & Benefits: Permanent government bank job. Pension after retirement, medical for family, staff loans at 3% markup, group insurance, gratuity, provident fund.
6. Posting Across Pakistan: 21 cities announced. Choose your home city. NBP has branches in every district - transfer options available after 3 years.
Application and Selection Procedure
1. Apply Online: Interested candidates may visit the website www.sidathyder.com.pk/careers and apply online within 10 working days from the date of publication of this advertisement as per given instruction.
2. Documents Required: Complete all fields on Web Portal and upload updated CV, CNIC, latest passport size picture, Graduation and/or Masters educational documents - Mark sheet/Transcript, and Experience Letters in either Word or PDF format.
3. File Size: There should be one attachment per tab, size must be less than 10MB per attachment.
4. Deadline: Information/application received after due date or incomplete/false in nature will result in rejection of the application.
5. No TA/DA: No TA/DA will be admissible for the assessment test/interview.
6. Assessment Test: Shortlisted candidates will be required to appear for a mandatory assessment test. Further processing may include panel interviews.
7. Contract Basis: The employment will be on contractual basis for 03 years which may be renewed on discretion of the Management.
8. Posting Bond: In case of selection, candidates will be required to serve at their initial place of posting for a minimum period of three years and no request for transfer will be entertained.
Important Notes
Equal Opportunity Employer: National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals regardless of gender, religion or disability.
Evaluation: Candidates will be evaluated strictly based on the defined eligibility criteria.
Bank's Right: Bank reserves the right to reject or accept any applicant's suitability to meet the vacant positions.
Future Career Path After NBP RM-SME
Branch Banking: RM OG-II → Branch Manager → Regional Head → SEVP. Salaries up to Rs. 1,000,000+/month at senior levels.
Corporate Banking: Move to Corporate RM, Trade Finance, Cash Management with 30-40% salary jump.
Risk & Credit: Shift to Credit Risk, CAD, SAM roles. High demand for SME credit expertise.
Other Banks: HBL, UBL, MCB, Alfalah hire NBP RMs as AVPs at 40-50% higher packages.
International: UAE, KSA, Qatar banks value NBP experience. RM + 3 years = AED 15,000-25,000/month.
Selection Tips for NBP Relationship Manager SME
1. CV: Highlight 1+ year banking sales experience. Mention SME clients handled, portfolio size, NPL ratio, targets achieved. Add AIBP/JAIBP if you have.
2. Test Prep: Focus on Banking, SBP Prudential Regulations for SME, Credit concepts, Financial Ratios, English, Math, IQ. Read NBP Annual Report.
3. Interview: Be ready for case study - "How will you assess a Rs. 10M working capital loan for a textile SME?" Know cash flow, balance sheet analysis.
4. Sales Skills: Demonstrate how you acquired clients in past role. NBP wants hunters, not farmers. Show aggression and relationship skills.
5. Local Knowledge: Research SME clusters in your posting city - Faisalabad textiles, Sialkot sports, Gujranwala fans, Multan mango. Mention in interview.
Apply within 10 working days from advertisement date. Don't miss this opportunity to join The Nation's Bank.
Apply Online: www.sidathyder.com.pk/careers
Tags: NBP Jobs 2026, Relationship Manager SME, OG-II Jobs, Banking Jobs Pakistan, SME Banking Jobs, National Bank of Pakistan Careers, AIBP JAIBP Jobs, Sales Jobs Bank, Apply Online NBP
