Career Opportunities at The Punjab Provincial Cooperative Bank Ltd. (PPCBL) 2025

Career Opportunities at The Punjab Provincial Cooperative Bank Ltd. (PPCBL)

The Punjab Provincial Cooperative Bank Ltd. (PPCBL) invites talented, experienced professionals to apply for a range of senior management and mid‐level positions across its head office and branch network. Established in 1924 and scheduled in 1955, PPCBL supports cooperative societies, agricultural communities, and small‐ and medium‐sized enterprises throughout Punjab. Its head office in Lahore and 151 branches statewide offer an ideal platform for qualified individuals to contribute to cooperative banking solutions.

Current Vacancies Include:

• VP / Deputy Head, Information Security
• VP / Deputy Head, Financial Controller
• VP / Deputy Head, Treasury
• VP / Deputy Head, Digital Financial Services
• VP / Deputy Head, Product & Research
• VP / Deputy Head, Special Assets Management (SAM)
• VP / Deputy Head, Learning & Development
• AVP / Manager, Credit Analytics & Reporting
• AVP / Manager, Credit Administration (CAD)
• AVP / Manager, Business Lending
• AVP / Manager, Digital Products
• AVP / Manager, Liability
• AVP / Manager, Product Development & Research
• OG‐III / OG‐II / Officer, e‐CIB
• OG‐III / OG‐II / Officer, Credit Administration (CAD)

If you hold a master’s degree in a relevant discipline (MBA, M.Com, MA Economics, MCS, MIT, MPA, etc.) or professional qualifications (CA, ACMA, ACCA), have 5–8+ years of post‐qualification experience in banking or finance, and possess strong analytical, leadership, and communication skills, read on for full role details, responsibilities, eligibility criteria, and application instructions.

1. About PPCBL

The Punjab Provincial Cooperative Bank Ltd. is a leading cooperative bank dedicated to serving farmers, cooperative societies, and small businesses across Punjab. With its head office in Lahore and 151 branches spanning urban centers and rural districts, PPCBL provides tailored credit facilities, deposit products, and financial advisory services. The bank’s mission is to foster sustainable growth, financial inclusion, and community development through transparent governance and sound banking practices. Joining PPCBL means becoming part of a legacy institution known for member‐focused banking solutions and collaborative work culture.

2. Position Details & Core Requirements

Below is a consolidated list of all open positions, along with department, location, required qualifications, experience, age limits, and number of vacancies.

3. Roles & Responsibilities

Below is a concise overview of each role. Candidates should be prepared to lead teams, implement strategic initiatives, and ensure compliance with regulatory guidelines.

VP / Deputy Head, Information Security

• Strategy & Governance: Develop, manage, and refine information security strategy, policies, and processes.
• Risk & Incident Response: Oversee security risk assessments, incident response protocols, and data breach management.
• Cybersecurity Operations: Ensure continuous monitoring, vulnerability management, penetration testing, and deployment of security solutions.
• Vendor & Budget Management: Evaluate and select security vendors, manage information security budgets, and negotiate service contracts.
• Stakeholder Communication: Present security findings and recommendations to senior management and C‐level executives.

VP / Deputy Head, Financial Controller

• Regulatory Reporting: Supervise statutory reporting, regulatory returns, and payables reporting to ensure adherence to SBP and SECP guidelines.
• Financial Statement Preparation: Oversee the accuracy and timely submission of financial statements (IFRS‐compliant) and audit liaison.
• Accounts Payable & Reconciliation: Manage GL accounts, vendor reconciliations, sub‐ledgers, and ensure timely vendor payments.
• Budgeting & Forecasting: Assist in budget preparation, variance analysis, and guide business units on cost controls.
• Internal Controls & Audit Coordination: Implement and monitor internal control frameworks, coordinate internal/external audits, and track audit recommendations.

VP / Deputy Head, Treasury

• Liquidity & Fund Management: Oversee daily cash position, maintain CRR & SLR at required levels, and manage fund placements with correspondent banks.
• Investment Portfolio: Direct PPCBL’s investments in government securities, T‐bills, and term finance certificates—track yield, interest receipts, and maturities.
• ALCO Representation: Serve as Chief Treasury representative at Asset‐Liability Committee (ALCO) meetings—advise on interest rate risk, balance sheet optimization, and liquidity buffers.
• Treasury Accounting: Ensure daily profit/loss reporting on investments and accurate booking of accrued interest.
• Strategic Guidance: Provide analysis on forex exposures, hedging, and macroeconomic trends impacting PPCBL’s treasury operations.

VP / Deputy Head, Digital Financial Services

• Digital Transformation Strategy: Lead design and execution of PPCBL’s digital banking framework—mobile & internet banking, agent networks, and e‐wallets.
• Channel Expansion & User Experience: Partner with IT, Marketing, and Operations to create user‐friendly interfaces, seamless onboarding, and secure transactions.
• Performance Monitoring: Track digital banking KPIs (active users, transaction volumes, system uptime) and recommend enhancements.
• Regulatory Compliance: Ensure full compliance with SBP’s Digital Financial Services Regulations (DFSR), AML/KYC, data privacy, and cybersecurity standards.
• Customer Outreach: Develop training materials, run awareness campaigns, and support branch staff to drive digital product adoption.

VP / Deputy Head, Product & Research

• Product Strategy & Development: Lead the design, development, and enhancement of financial products—Agri lending, SME financing, deposit schemes, and digital solutions.
• Market & Competitor Analysis: Conduct regular market research, analyze competitor offerings, and gather customer insights to refine PPCBL’s product portfolio.
• Regulatory Alignment: Ensure all products adhere to SBP Prudential Regulations, deposit protection requirements, and cooperative banking guidelines.
• Portfolio Monitoring: Use data analytics to track product performance—loan growth, NPL ratios, deposit mix—and propose corrective actions.
• Training & Rollout: Develop product training modules for branch staff, prepare marketing collateral, and oversee product launch events.

VP / Deputy Head, Special Assets Management (SAM)

• NPL Management & Recovery: Oversee non‐performing loan (NPL) portfolio, conduct periodic reviews, and implement recovery strategies in line with SBP guidelines.
• Restructuring & Legal Proceedings: Coordinate with legal counsel and branch teams to restructure classified loans, pursue legal remedies, or write‐off unrecoverable exposures.
• Provisioning & Reporting: Monitor portfolio provisioning levels, prepare board‐level papers on SAM performance, and suggest adjustments to provisioning policy.
• Branch Coordination: Liaise with zonal offices and branch heads to expedite asset‐recovery measures, collateral liquidations, and legal actions.
• Stakeholder Engagement: Maintain relationships with SBP, external auditors, and other stakeholders to ensure timely resolution of problem assets.

VP / Deputy Head, Learning & Development

• Training Needs Assessment (TNA): Conduct comprehensive assessments to identify skill gaps across all departments—compliance, risk, digital banking, and product management.
• Learning Strategy & Roadmap: Design and implement an annual L&D plan aligned with PPCBL’s strategic objectives, regulatory updates, and talent advancement goals.
• Program Development: Create leadership development programs (early‐career to executive level), compliance workshops, risk management modules, and functional training for credit, treasury, and customer service teams.
• Instructional Design & Delivery: Oversee instructional designers, trainers, and e‐learning specialists to produce interactive learning materials, microlearning videos, and assessments.
• Performance Metrics & Feedback: Establish key performance indicators (KPIs) for training impact—track completion rates, knowledge retention, and improvements in on‐the‐job performance.

AVP / Manager, Credit Analytics & Reporting

• Credit Data Analysis: Prepare periodic credit portfolio analytics—exposure trends, sectoral concentration, delinquency patterns, and early warning indicators.
• Regulatory Reporting: Generate SBP‐mandated credit reports, including CRR/SLR returns, IFRS 9 expected credit loss calculations, and all relevant forms.
• Credit Scoring Models: Maintain and refine credit risk models for retail, SME, and corporate segments—collaborate with IT on data integration and automation.
• Stakeholder Presentations: Present credit analytics to senior management and the board—provide actionable insights for risk appetite and provisioning policies.
• Team Leadership: Supervise a small team of analysts, mentor junior staff, and ensure adherence to data accuracy and reporting timelines.

AVP / Manager, Credit Administration (CAD)

• Credit Appraisal & Compliance: Evaluate loan proposals—retail, SME, corporate—perform financial statement analysis, cash flow modeling, and collateral valuation.
• Sanction & Documentation: Draft credit memoranda, prepare documentation for the sanction committee, and ensure all approvals align with SBP and PPCBL policies.
• Portfolio Monitoring: Track disbursed loans, conduct site visits for client verification, and identify early warning signs of delinquency.
• Post-Disbursement Review: Perform post‐disbursement audits, verify utilization of funds, and coordinate follow‐up actions with branch relationship managers.
• Legal & Collateral Management: Liaise with legal counsel for charge creation, collateral registration, and enforcement of security.
• Branch Support: Serve as a point of contact for branch credit teams—clarify CAD policies, resolve queries, and expedite documentation processes.

AVP / Manager, Business Lending

• SME & Small Business Lending: Develop, manage, and refine lending products for SMEs—align products with SBP guidelines, market demand, and PPCBL’s growth targets.
• Market Segmentation & Research: Conduct market research to identify sectoral opportunities, underserved microenterprises, and emerging clusters.
• Credit Risk Coordination: Collaborate with credit, risk, and branch teams to ensure efficient processing, disbursement, and monitoring of SME loans.
• Portfolio Enhancement: Formulate strategies for portfolio growth and quality—track loan growth, NPL ratios, sector exposures, and recommend corrective actions.
• Staff Enablement: Support branch staff training, awareness campaigns, and capacity‐building initiatives to promote SME financing and improve execution at the field level.

AVP / Manager, Digital Products

• Digital Product Lifecycle: Manage the end‐to‐end lifecycle of digital products—mobile banking, internet banking, digital wallets, and payment gateways—ensuring continuous improvement.
• Customer-Centric Design: Conduct user research and gather customer feedback to refine UI/UX, expand feature sets, and improve overall user satisfaction.
• Cross‐Functional Alignment: Liaise with IT, Digital Marketing, and Operations to ensure robust integration, backend support, and seamless service delivery.
• Performance & Analytics: Monitor KPIs such as active users, transaction volumes, system uptime, and incident response times—recommend enhancements accordingly.
• Regulatory & Security Compliance: Ensure digital products adhere to SBP guidelines, cybersecurity best practices, and internal policies.
• Awareness & Adoption: Develop training materials for branch staff and customers, conduct workshops, and run promotional campaigns to increase digital adoption.

AVP / Manager, Liability

• Deposit Product Design: Develop and manage current, savings, and term deposit schemes that meet deposit mobilization targets and customer needs.
• Market Intelligence & Competitor Analysis: Monitor market trends, competitor deposit products, and consumer behavior—use insights to refine PPCBL’s liability offerings.
• Portfolio Performance Tracking: Use KPIs such as deposit mix, cost of funds, retention rates, and balance growth to guide strategy.
• Campaign Management: Partner with marketing and branch teams to launch targeted deposit campaigns, referral programs, and digital promotions.
• Compliance Oversight: Ensure liability products comply with SBP regulations, internal policies, and KYC/AML requirements.
• Staff Training: Develop and deliver training modules to branch personnel, equipping them with product knowledge and sales techniques.

AVP / Manager, Product Development & Research

• Strategic Product Roadmap: Define product development strategies for both retail and digital banking—align new offerings with market trends and PPCBL’s overall objectives.
• Benchmarking & Competitive Analysis: Conduct in-depth research on competitors’ products, pricing structures, and market positioning—recommend enhancements or new product ideas.
• Product Lifecycle Management: Oversee each stage of product development—from ideation and requirement gathering to pricing, launch, and post‐launch monitoring.
• Financial & Pricing Analysis: Perform cost‐benefit analyses, revenue projections, and profitability modeling to ensure new products contribute to the bottom line.
• Regulatory Compliance: Ensure all product features comply with SBP Prudential Regulations, internal risk guidelines, and deposit protection schemes.
• Performance Reporting: Prepare regular reports on product performance, market share, customer adoption rates, and key learnings for senior management.

OG‐III / OG‐II / Officer, e‐CIB

• CIB Report Generation: Produce accurate and timely electronic CIB (Credit Information Bureau) reports for retail and corporate credit applications.
• Data Administration: Manage e‐CIB uploading and downloading processes, maintain the e‐CIB database, and ensure branch access to updated credit information.
• Technical Support: Provide guidance to branch staff on e‐CIB procedures, troubleshoot system issues, and coordinate with SBP/CIB operators to resolve discrepancies.
• Quality Control: Perform periodic audits of e‐CIB data inputs, validate report accuracy, and ensure compliance with SBP‐mandated timelines and data standards.

OG‐III / OG‐II / Officer, Credit Administration (CAD)

• Credit Planning & Analysis: Support sales and operations planning by analyzing lending portfolios—especially Agri and enterprise loans—and providing insights to senior management.
• Cash‐Flow Lending & Collateral Verification: Conduct detailed cash‐flow analysis for Agri and corporate credit proposals; verify Gold loan collateral by coordinating with licensed goldsmiths.
• Post‐Disbursement Monitoring: Oversee post‐disbursement follow‐ups, site visits to borrowers, and usage verifications.
• Documentation & Compliance: Ensure all loan documentation (agreements, security documents) complies with SBP regulations and internal CAD policies.
• Branch Coordination & Support: Act as the CAD focal point for branch staff—answer credit policy queries, resolve documentation issues, and expedite loan processing.

4. Eligibility Criteria & Essential Requirements

All applicants must meet the following baseline criteria to be considered:

1. Citizenship & Domicile
   • Must be a Pakistani national.
   • Preference for candidates domiciled in Punjab district of assignment (especially for branch‐based CAD roles).
2. Educational Qualifications
   • VP / Deputy Head Roles:
     • Master’s degree in Business Administration (MBA), M.Com, MA (Economics), MCS, MIT, or a closely related field.
     • For Financial Controller & Treasury: Must hold a professional qualification (CA, ACMA, ACCA) plus an MBA (Finance) or Master’s in Finance/Accounting.
   • AVP / Manager Roles:
     • Master’s degree in MBA, M.Com, MA (Economics), MPA, MCS, MIT, or a similar discipline.
   • OG‐Level (Officer, e‐CIB & CAD):
     • Bachelor’s degree in a relevant field (e.g., Finance, Economics, Commerce, Business Administration, Information Technology).
     • Minimum CGPA of 2.5 on a 4.0 scale (or 50% marks annual system).
3. Professional Experience
   • VP / Deputy Head: Minimum 8 years post‐qualification experience, including at least 3 years in a similar leadership position within a bank or financial institution.
   • AVP / Manager: Minimum 5 years post‐qualification experience, including at least 2 years in a similar mid‐level role in banking or finance.
   • OG‐Level Officers: Minimum 2 years post‐qualification experience in a similar role at a bank or financial institution.
4. Age Limits
   • VP / Deputy Head Roles: 35 – 50 years as of the application deadline.
   • AVP / Manager Roles: 30 – 40 years as of the application deadline.
   • OG‐Level Officers (e‐CIB & CAD): 21 – 35 years as of the application deadline.
5. Key Skills & Competencies
   • Strong analytical abilities: Financial modeling, data interpretation, and problem‐solving mindset.
   • Excellent communication skills: Proficiency in English for report writing, presentations, and stakeholder interactions; fluency in Urdu and Punjabi for branch coordination.
   • Leadership & Team Management: Prior experience leading teams, mentoring staff, and driving results in cross‐functional projects.
   • Regulatory Awareness: In‐depth knowledge of SBP’s Prudential Regulations, Digital Financial Services guidelines, IFRS 9, AML/KYC, and cooperative banking rules.
   • Technical Proficiency: Comfortable using banking ERP systems, credit scoring tools, treasury management software, and Microsoft Office (Excel, Word, PowerPoint).
   • Customer Focus: Ability to understand customer needs—SMEs, agri clients, retail depositors—and design appropriate financial solutions.
6. Character & Conduct
   • Must possess an unblemished record, with no criminal convictions or adverse disciplinary actions.
   • Letter of No Objection (NOC) required if currently employed in government service or another financial institution.

5. How to Apply: Application Process & Checklist 📝

1. Prepare Your Application Package

• Application Form: Download from PPCBL’s website (www.ppcbl.com.pk → “About Us” → “Career Opportunities”). Fill in clearly in English.
• Curriculum Vitae (CV): Maximum three pages, detailing education, professional experience, key responsibilities, and achievements.
• Covering Letter: One‐page letter stating the position of interest, highlighting your relevant experience and motivation to join PPCBL.
• Passport-Size Photograph: Recent color photograph (400×600 pixels recommended) affixed to the application form.
• Attested Copies of Academic Certificates: Bachelor’s, Master’s, or professional qualifications (CA/ACMA/ACCA).
• Experience Certificates: Letters from previous employers confirming your role, duration, and responsibilities.
• CNIC Copy & Domicile Certificate: Attested photocopies.
• Proof of Application Fee Payment (if applicable): Online payment receipt or bank deposit slip.

2. Choose Your Submission Method

• Online Submission (Preferred):
  1. Go to http://hris.ppcbl.com.pk/jobs.
  2. Create an account with your email and a password.
  3. Complete the online application form, upload your CV, cover letter, photograph, and supporting documents.
  4. Pay the application fee (if required) via the online payment portal and upload the payment receipt.
  5. Submit the application and note the unique application reference number for future correspondence.
• Offline Submission (Postal):
  1. Place all documents (completed form, CV, cover letter, certificates, CNIC, fee deposit slip) into a sealed envelope. Clearly mark the top‐left corner:

     APPLICATION FOR THE POST OF [POSITION TITLE]
     

  2. Address the envelope to:

     Head, Human Resources Division  
     The Punjab Provincial Cooperative Bank Ltd.  
     Head Office, Bank Square,  
     Shahrah-e-Quaide-e-Azam,  
     Lahore, Punjab, Pakistan  
     

  3. Send via registered courier or overnight express to arrive on or before the deadline.

3. Application Deadline

• All applications (online or postal) must be submitted by Tuesday, 11 June 2025, at 5:00 PM PST.
• Applications received after the deadline or incomplete packages will not be considered.

4. Acknowledgment & Shortlisting

• Online applicants will receive an automated acknowledgment email containing their application number.
• By mid‐June 2025, PPCBL will shortlist candidates based on eligibility and experience. Shortlisted candidates will be notified via email and SMS.

6. Selection Process & Timeline

7. Compensation & Benefits

PPCBL offers a competitive compensation package designed to attract and retain top talent. The details below provide a general overview; final packages will be determined based on qualifications and experience.

1. Basic Salary & Allowances
   • VP / Deputy Head: Market‐competitive salary with executive‐level allowances.
   • AVP / Manager & OG‐Level Officers: Competitive mid‐level salary bands.
2. Performance Bonus
   • Annual performance bonus based on individual KPIs, departmental targets, and overall bank performance.
3. Medical & Health Coverage
   • Comprehensive family medical insurance covering spouse and up to two children.
   • Group life insurance policy for all employees.
4. Provident Fund & Gratuity
   • Employee contributes 10% of basic salary to the Provident Fund; PPCBL matches up to 10%.
   • Gratuity benefits as per applicable labor and cooperative banking regulations.
5. Leave Entitlement
   • Annual Leave: 30 days per calendar year.
   • Sick Leave: 14 days per year.
   • Casual Leave: 7 days per year.
   • Maternity / Paternity Leave: As per government statutes and bank policy.
6. Professional Development
   • Sponsorship for external certifications and training (e.g., SBP workshops, IFRS 9 seminars, digital finance courses).
   • Membership support for professional bodies such as the Pakistan Institute of Corporate Governance (PICG) or Institute of Bankers Pakistan (IBP).
   • Internal mentoring programs and leadership development tracks.
7. Career Growth & Mobility
   • Clear, structured career progression with annual performance reviews and promotion cycles.
   • Opportunity for cross‐functional rotations, branch transfers, and secondments to SBP or partner institutions.
   • Exposure to rural banking through branch assignments, especially for CAD roles.

8. Contact Information & Support

Should you have any questions or require assistance during the application process, please reach out through the following channels:

• Human Resources Division (Head Office)

  The Punjab Provincial Cooperative Bank Ltd.  
  Head Office, Bank Square,  
  Shahrah-e-Quaide-e-Azam,  
  Lahore, Punjab, Pakistan  
  Tel: (042) 99211432‐36 (Ext. HR)  
  Email: hr@ppcbl.com.pk  
  Website: www.ppcbl.com.pk  
  

• Technical Support (Online Applications)
  • Email: portal.support@ppcbl.com.pk
  • Office Hours: Monday to Friday, 9:00 AM – 5:00 PM
• Branch Contacts for Credit Administration Roles
  • Faisalabad: Branch Manager, PPCBL Faisalabad – Phone: (041) 9200123
  • Multan: Branch Manager, PPCBL Multan – Phone: (061) 9200456
  • Bahawalpur: Branch Manager, PPCBL Bahawalpur – Phone: (062) 9200789
• General Inquiries & Application Queries
  • Phone: 0333‐4833081 (Monday–Friday, 9:00 AM to 4:00 PM)
  • Email: hr@ppcbl.com.pk