8 Small Business Loans jobs in Pakistan

Job Purpose

• Successfully lead and grow the Business Banking Neobiz segment for the Virtual Relationship Manager (VRM) Channel.
• Assist the management in formulation of business strategy for NEOBiz to work closely with proposition, finance and investment advisory for successful delivery of the strategy.
• Manage the team of Business Banking Virtual Relationship Managers & Senior Virtual Relationship Managers
• Provide effective leadership to the Business Banking VRM/SVRM and service staff via coaching.

Key Result Areas

Strategic:

• Develop a clear business plan and strategies for Superior Sales & Service delivery, as well as the scope & definition of the desired "customer experience". This is with a key aim to grow market share in the SME category, using all Mashreq Business Banking & digital channels, internal and external resources, and directly reporting team members
• Execute Business Banking strategies and plan to develop, leverage and build long term relationship with the affluent segment to achieve sales targets
• Prepare and execute Business Banking yearly budget plan including financial commitments, service standards and marketing activities.
• Develop and implement in conjunction with other stakeholder's service standards and customer experience plans team to increase customer awareness of Business Banking range of product and increase revenue per customer.
• Generate business performance for management by combining Sales & Service metrics and process them into actionable reports for overall service measurement & productivity improvements. i.e. FX achievements, Trade achievements, Insurance & Investment achievements, NTB Account openings, DTR/Compliance/AML query clearance, KYC/CPRA remediation.
• Recommendations for product and process development based on customer feedback and analysis of the same.

Financial:

• Complete ownership of the financial commitments for the assigned team.
• Drive sales and develop efficient plans aimed at enhancing VRMs productivity and minimizing budgets.
• Planning and monitoring of sales activities via sales activity tracker productivity metrics and KPI for the business.

People:

• Coaching, grooming and developing the competency level of sales & service staff.
• Overall management of recruitment i.e. selection, recruitment, training, certification and deployment.
• Supporting and facilitating delivery of key trainings to staff including the proposition and induction of new staff.
• Proactive in key HR activities for Business Banking segment including identifying and recommending talent to other Areas
• Lead, develop and motivate the VRM team by enforcing the performance management culture and adopt reward recognition programs.
• Identify critical VRMs and set recommendation for career development and growth plans.

Compliance:

• Establish and institutionalize a culture of internal control and compliance in line with bank's SOPs, external local regulations, ADM and AML guideline to ensure a risk free operating environment and achieve satisfactory risk rating
• Communicate changes in product, credit policy parameters and new product launch to the virtual relationship managers and other Mashreq Gold personnel.
• Ensure the KYC of the customer base is updated timely manner
• Track the daily EDMS exception report raised on VRM clients, by CAM or compliance team and guide the team to clear the exceptions within the TAT.
• Track daily DTR/AML queries of VRM portfolio in CRM and ensure timely clearance of the queue.
• Perform call monitoring to ensure the quality of sales & services and ensure no mis-selling in the team.
• Monitor and control deviation in policies / processes to mitigate risk and take corrective and immediate action. i.e. daily revision of reports.

Clients:

• Handle and resolve customer complaints, operations related matters and credit and marketing issues across cross functional lines RBG and other groups, to maintain and build a loyal customer base.
• Root cause analysis of all customer complaints for rectification and improvement of NPS scores.
• Responsible to drive to success, all customer experiential related micro event held within the area/centers

Service:

• Ensure superior service delivery standards by constantly monitoring the key service performance indicators.
• Interact with the distribution channel to acquire, drive referrals and ensure fulfillment of leads within approved TAT

Knowledge, Skills and Experience

• University graduate.
• Excellent people management skills and conflict management.
• Excellent knowledge of business banking products – FX, Trade, Insurance & investments
• 5 years' experience as a Business Banking RM
• 2 years' Experience as a Team Leader managing Business Banking RM's
• 5-7 years' experience in a sales.
• Customers focus and service orientation.
• Motivational skills and positive attitude.
• Ability to think creatively and challenge existing systems and processes.
• Analytical and numeric skills.
• Problem resolution skills.
• Ability to work under pressure and think on his / her feet.
• Dynamic, results-oriented approach to work.

Industry:

Banking/Financial Services

Category:

Retail

Total Position:

35+

Job Type:

Full Time/Permanent ( First Shift (Day) )

Department:

Retail

Job Location:

All Cities

Gender:

No Preference

Minimum Education:

Masters

Career Level:

Entry Level

Minimum Experience:

Fresh

Apply By:

Nov 20, 2025

Posted On:

Oct 20, 2025

Job Description

1. Business Growth: Identify new MSME/ small business enterprises in the assigned area.

2. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.

3. Develop and analyze financial statements of the MSMEs in order to assess the financial soundness of the business and his repayment capacity.
4. Conduct loan appraisal, collect and verify detailed information (personal, business, guarantees, and collateral pertaining to MSMEs) to open new MSME loan accounts.
5. Prepares and executes loan contracts and arrange for the disbursement of loans. Receive feedback of MSME clients for product enhancements and new product requirements.
6. Gain insight on competitor\'s product offerings for MSME clients and provide feedback to the line manager.

7. Cross-sell other KMBL products to clients, especially liability products.

8. Service Quality Maintain a good relationship with MSME clients and promptly address their queries. Meet internal service standards and ensure no service-related complaints are received from customers.

9. Portfolio Management Monitor MSME loans and ensure timely repayment.

Required Skills

Retail Loans, Market Knowledge, Business Development Strategies, Negotiation Skills, Communication Skills, Client Service Oriented, Time Management ,

We are an equal opportunity employer and value talent diversity at our Bank. We do not discriminate on the basis of age, color, gender, marital status, race, religion, or disability status. Therefore, all qualified candidates are welcomed and encouraged to apply on our positions.

Company Description

Established in 1992, JWS Pakistan is a specialized Non-Banking Finance Company (NBFC) registered with the Securities & Exchange Commission of Pakistan (SECP). The company has its head office in Gujranwala and branch offices in upper and central Punjab regions. JWS Pakistan is dedicated to providing financial services and solutions to its clients, ensuring regulatory compliance and financial stability.

Role Description

This is a full-time on-site role for a Loan Officer, located in Vehari. The Loan Officer will be responsible for evaluating, authorizing, or recommending approval of loan applications. The position involves underwriting, loan origination, and customer service tasks. The Loan Officer will assess financial histories, conduct credit checks, and handle loan paperwork, ensuring compliance with regulatory standards.

Qualifications

• Strong Customer Service skills
• Knowledge of Finance and Financial Analysis
• Fresh candidates as a Loan Officers
• Excellent written and verbal communication skills
• Attention to detail and strong organizational skills
• F.A/Bachelor's degree in Finance, Economics, or related field is preferred
• Ability to work on-site in Vehari, kacha khuh, burewala, mailsi,Hasilpur

Company Description

Zarai Taraqiati Bank Limited (Former Agricultural Development Bank of Pakistan - ADBP) is the premier financial institution focused on the development of the agriculture sector through financial services and technical know-how. The bank aims to uplift the agriculture and rural sector by increasing farm productivity, improving institutional credit, and enhancing the income-generating capacity of the farming community. ZTBL was incorporated as a Public Limited Company in 2002 to serve as R.F.I.

Role Description

This is a full-time on-site role for a Loan Officer at Zarai Taraqiati Bank Limited located in Bhakkar District. The Loan Officer will be responsible for activities related to finance, underwriting, customer service, and loan origination on a daily basis.

Qualifications

• Loan Officers and Underwriting skills
• Finance and Loan Origination skills
• Customer Service skills
• Experience in financial services industry
• Excellent communication and interpersonal skills
• Bachelor's degree in Finance, Economics, Business Administration, or related field
• Knowledge of agricultural finance is a plus

Industry:

Banking/Financial Services

Category:

Sales & Business Development

Total Position:

35+

Job Type:

Full Time/Permanent ( First Shift (Day) )

Department:

Human Resource

Job Location:

All Cities

Gender:

No Preference

Minimum Education:

Bachelors

Degree Title:

MBA,B.COM,MA economics, Statistics, Math & BS/MS agriculture

Career Level:

Experienced Professional

Minimum Experience:

Fresh(Fresh & Experience Candidates both will be considered who are passionate in Sales & Marketing)

Salary Range:

PKR. 50,000 to 60,000/Month

Apply By:

Oct 10, 2025

Posted On:

Sep 10, 2025

Job Description

Business Growth

• Identify new MSME/ small business enterprises & Housing loan prospects in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.
• Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
• Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
• Prepares and execute loan contracts and arrange for disbursement of loan.
• Receive feedback of MSME & Housing clients for product enhancements and new product requirements and share with line manager.
• Gain insight on competitor's product offerings for MSME& Housing clients and provide feedback to the line manager.
• Cross-sell other KMBL products to clients, especially liability products to MSME clients.

Service Quality

• Maintain good relationship with MSME & Housing clients and promptly address their queries regarding loan and other banking facilities.
• Meet internal service standards and ensure no service related complaints are received from customers.
• Address customer complaints in line with KMBL complaint handling guidelines

3. Portfolio Management

• Monitor MSME & Housing loans and ensure their timely repayments. Ensure timely intimation to clients regarding due date and payment amount.
• Maintain regular contact with MSME clients to monitor their business status and loan utilization so that loan is recovered as per repayment schedule.
• Ensure timely follow-up with late payment and default customers to resume payments as per repayment schedule. Make customer aware of the implications of late payments & default in term of penalties and reporting in eCIB

4. Compliance

• Conduct, complete and process MSME loan booking / documentation in strict compliance with KMBL's policies, procedures and ethical standards.
• Thoroughly review KIM & MSME Procedures to understand products and processes.
• Thoroughly review Prudential Regulations for MFBs to ensure policy compliance.

Required Skills

Driving Business Growth, MS Excel, Analytical Skills, Communication Skills, Time Management , Portfolio Management,

We are an equal opportunity employer and value talent diversity at our Bank. We do not discriminate on the basis of age, color, gender, marital status, race, religion, or disability status. Therefore, all qualified candidates are welcomed and encouraged to apply on our positions.

Company Description

BankIslami is Pakistan's leading Islamic bank, offering ethical and Shariah-compliant banking solutions. With over 550 branches nationwide and Pakistan's first Islamic digital banking platform—aik—BankIslami is committed to empowering individuals and businesses while upholding the highest standards of integrity. Our mission is to save humanity from Riba and drive financial inclusion through innovation.

Role Description

This is a full-time on-site role for a Banking Business Development Officer located in Lahore. The Banking Business Development Officer will be responsible for developing new business opportunities, maintaining client relationships, analyzing financial data, and providing excellent customer service. The role also includes promoting and cross-selling financial products and services to meet sales targets.

Qualifications

• New Business Development and Finance skills
• Analytical Skills
• Excellent Communication and Customer Service skills
• Strong interpersonal and relationship-building skills
• Bachelor's degree in Finance, Business Administration, or a related field
• Experience in the banking or financial services industry is a plus
• Ability to work independently and as part of a team

Job description:

We are looking for a Loan Recovery Agent to join our team. The role involves contacting customers with overdue payments, guiding them on repayment, and ensuring the timely recovery of loans while maintaining a professional approach.

Responsibilities:

• Call and follow up with customers who have missed payments.
• Explain repayment options and negotiate payment plans.
• Keep records of calls, commitments, and payments.
• Report difficult cases to the supervisor or manager.
• Achieve monthly recovery targets.
• Maintain professionalism and follow company policies at all times.

Requirements:

• Intermediate / Bachelor's degree (preferred).
• Experience in collections, recovery, or call center (preferred but not mandatory).
• Good communication and convincing skills.
• Basic computer knowledge (MS Office).
• Ability to work under pressure and meet deadlines.

Job Type: Full-time

Work Location: In person