Zarai Taraqiati Bank Limited (ZTBL) Announces Strategic Executive Openings to Drive Agricultural Credit Transformation

Zarai Taraqiati Bank Limited (ZTBL), Pakistan’s premier ‘AAA’ rated specialized financial institution, has formally announced strategic executive career opportunities aimed at restructuring and optimizing its nation-wide credit infrastructure. With a robust operational footprint spanning over 500 branches across the country, the institution is aggressively recruiting top-tier, challenge-oriented banking professionals with proven track records in agricultural credit, operational management, and corporate risk frameworks.

The latest recruitment initiative highlights ZTBL’s strategic focus on onboarding specialized leadership to act as a catalyst for institutional transformation. The bank is looking to fill two critical executive positions: Head Credit Policy (SVP-I / SVP) and Credit Operation (VP-I / VP). Both roles carry substantial weight, focusing on modernizing agricultural credit delivery, mitigating portfolio risks, and enforcing seamless compliance with national regulatory bodies.

1. Head Credit Policy (SVP-I / SVP)

• Position Count: 01
• Core Mandate: Policy Formulation & Strategic Risk Control

Candidate Profile & Qualifications

Prospective candidates must hold a minimum of a Bachelor’s degree from an institution recognized by the Higher Education Commission (HEC) of Pakistan or a reputable international university. The role demands a minimum of 10 years of relevant professional experience, with an explicit institutional preference for individuals holding an extensive background in agricultural credit frameworks.

Primary Job Responsibilities

• Framework Development: Formulate, systematically review, and update the Bank’s overall Credit Policy and Credit Manual to maintain robust risk management frameworks and sound lending practices.
• Targeted Credit Schemes: Develop and implement accessible agricultural credit policies alongside tailored delivery mechanisms designed to effectively serve the local farming community.
• Portfolio Accuracy: Oversee and manage the annual account closing process, maintaining an explicit focus on credit portfolio accuracy, provisioning metrics, and strict audit compliance.
• Budgetary & Regulatory Reporting: Prepare and submit the department’s annual financial budget, operational estimates, manpower allocation plans, and all required regulatory statements.
• Audit & Compliance Integration: Review, address, and coordinate the complete resolution of all observations raised in internal and external audit reports pertaining to the credit department.
• Performance Supervision: Supervise the overarching performance of all active credit schemes and products. Authorize and issue instructional circulars and guidance letters to ensure consistent field implementation.
• Digital Infrastructure Integration: Monitor and evaluate the performance of digital credit initiatives, including the high-priority E-Credit Scheme and PLRA Project operations. This encompasses driving the online verification of land documents (Fard) and the automated creation of institutional loan charges across Punjab Province in collaboration with the Punjab Information Technology Board (PITB) and Punjab Land Record Authority (PLRA).
• Stakeholder Liaison: Foster and maintain an effective working liaison with key external entities, including Federal and Provincial Governments, the State Bank of Pakistan (SBP), PLRA, PITB, and other relevant public/private organizations.

2. Credit Operation (VP-I / VP)

• Position Count: 01
• Core Mandate: Credit Planning, Execution & Portfolio Management

Candidate Profile & Qualifications

Similar to the policy portfolio, this operational position requires a minimum of a Bachelor’s degree from an HEC-recognized national or international university. Candidates must possess a minimum of 10 years of highly relevant industry experience, with heavy emphasis placed on practical agricultural credit allocation and operational monitoring.

Primary Job Responsibilities

• Annual Credit Planning: Prepare, deploy, and monitor the Bank’s annual credit plan. This involves a comprehensive assessment of credit demand, regional performance trends, geographical potential, and absorption capacity, with a strategic focus on small-farmer coverage, priority sectors, and national poverty alleviation programs.
• Disbursement Analytics: Analyze and monitor regional disbursement performance, providing targeted support and guidance to field operations to ensure the seamless achievement of established disbursement targets.
• Operational Monitoring: Conduct ongoing monitoring and evaluation of all operational credit schemes to ensure tight alignment with strategic institutional objectives and operational efficiency.
• Vendor & Asset Registration: Manage the systemized registration and approval frameworks for tractor manufacturers, suppliers, and associated machinery models according to Bank policy, and disseminate official approved lists to all field offices.
• Regulatory Compliance Execution: Implement all agricultural lending policies and directives issued by the ZTBL Board of Directors (BOD), the State Bank of Pakistan (SBP), and the Government of Pakistan (GOP).
• Grievance Redressal: Address and resolve complaints, applications, and official references received from the public and through official state channels, including the Prime Minister’s Secretariat, SBP, Federal/Provincial Departments, and the Ombudsman (Wafaqi Mohtasib).
• Subsidy Management: Prepare quarterly markup subsidy claims for the landmark PM-Kissan Package – 2022 and submit them directly to the State Bank of Pakistan following thorough vetting and validation by the internal audit division.
• Risk Mitigation (DPD Monitoring): Monitor the collection and repayment performance for active accounts falling within the critical 1–89 Days Past Due (DPD) bracket. Ensure the timely dissemination of Collection Management Information System (MIS) reports at set frequencies to enable effective monitoring at all organizational levels.

Eligibility, Ineligibility, and Compliance Thresholds

ZTBL has established strict baseline metrics and behavioral parameters governing candidate eligibility:

• Age Limit: Applicants must not exceed the maximum age threshold of 50 Years as of the official closing date.
• Equal Opportunity Framework: ZTBL operates as an equal opportunity employer. Qualified female professionals and Persons with Disabilities (PWDs) are strongly encouraged to apply.
• Compensation Standard: Market-competitive and qualification-backed financial packages will be offered to selected personnel.
• Exclusionary Criteria: * Any applicant dismissed, removed, or involuntarily terminated by previous employers on verified disciplinary grounds is strictly disqualified.
  • Candidates convicted by any court of law hold absolute ineligibility status.
• Assessment Pipeline: Only strictly shortlisted candidates meeting all baseline metrics will be contacted for formal interviews. No TA/DA allowances are admissible for the interview process.

Application Architecture & Institutional Timeline

Prospective candidates meeting the eligibility criteria must submit their profiles exclusively through the bank’s digital career portal. Physical documents or manual applications outside the online platform will not be cataloged or accepted.

• Official Application Deadline: 28th June, 2026
• Digital Portal Access: https://www.ztbl.com.pk/jobs
• Institutional Queries: For related queries, applicants may connect with the Head (Recruitment & Selection), ZTBL Head Office, Islamabad at 051-9252724.