ZTBL Jobs 2025

ZTBL Jobs 2025

Zarai Taraqiati Bank Limited (ZTBL), Pakistan’s premier agricultural development bank, is on a mission to empower farmers and drive rural economic growth through innovative financial solutions.

As of November 2025, ZTBL has opened doors to exciting contractual positions at its Islamabad head office, focusing on risk management, operations, credit administration, and compliance.

These roles offer professionals a chance to contribute to national food security while enjoying competitive benefits and career advancement in a government-backed institution.

With over 500 branches nationwide, ZTBL serves half a million clients annually, making it an ideal launchpad for banking careers.

Educational Requirements

To thrive in ZTBL’s dynamic environment, candidates need strong academic foundations from Higher Education Commission (HEC)-recognized institutions. Key qualifications include:

• Master’s Degree: In Business Administration (MBA), Finance, Accounting, Risk Management, or related fields for senior roles like Head of Operations or Chief Risk Officer.
• Bachelor’s Degree: In Commerce (B.Com), Economics, or Banking for mid-level positions such as Operational Risk Analyst.
• Professional Certifications: Preferred in areas like Certified Internal Auditor (CIA), Financial Risk Manager (FRM), or Islamic Banking for specialized posts.
• HEC Recognition: All degrees must be from accredited universities; foreign qualifications require equivalence certification.

These credentials ensure candidates can handle complex financial modeling, regulatory compliance, and agricultural lending challenges.

Age Limit

ZTBL prioritizes experienced talent for these contractual roles. The age limit is set at:

• Maximum: 35 to 60 years, depending on the position (e.g., 35 years for analysts, up to 60 for heads and managers).
• Relaxations: Up to 5 years for candidates with exceptional expertise in banking or agriculture finance, subject to bank policy.

This flexible range accommodates seasoned professionals ready to lead transformation in Pakistan’s agricultural sector.

Who Can Apply?

ZTBL welcomes applications from dedicated Pakistani nationals passionate about financial inclusion. Ideal applicants include:

• Experienced bankers with 5+ years in credit, risk, or operations.
• Graduates from HEC-recognized universities with relevant certifications.
• Professionals skilled in IFRS-9, Basel III, and agricultural credit assessment.
• Both male and female candidates committed to ethical practices and innovation.
• Residents of Pakistan, with preference for those familiar with rural finance dynamics.

Only shortlisted candidates will proceed to interviews—focus on tailoring your CV to highlight sector-specific achievements.

Detailed Table of Information

Position	No. of Positions	Key Responsibilities	Experience Required	Qualifications
Head of Operations (VP/ AVP)	1	Manage operational risk unit; develop frameworks for Basel III; oversee compliance and reporting.	Minimum 17 years in banking/finance.	Master’s from HEC-recognized institute; knowledge of SBP regulations.
Unit Head – Implementation & Challenge (VP/AVP)	1	Lead credit administration; monitor portfolio quality; ensure policy compliance.	Minimum 15 years in credit/risk.	Master’s; expertise in NPL management and IFRS-9.
Manager IFRS-9 & Risk Analytics (AVP)	1	Implement IFRS-9 models; conduct stress testing; manage ECL calculations.	Minimum 12 years in financial institutions.	Master’s; FRM or equivalent; data analytics skills.
Officer – Credit Administration (OG-III)	1	Prepare financial statements; manage loan documentation; support credit committees.	Minimum 5 years in credit processing.	Bachelor’s from HEC-recognized institute.
Operational Risk Analyst (OG-IV)	1	Develop RCSA frameworks; report operational risks; liaise with regulators.	Minimum 3 years in operational risk.	Bachelor’s; knowledge of Basel III.
Market & Liquidity Risk Analyst (OG-IV)	1	Analyze liquidity gaps; prepare ICAAP documents; monitor treasury risks.	Minimum 3 years in market risk.	Bachelor’s; proficiency in ALM tools.
Environment Risk Management Officer (OG-III)	1	Assess environmental/social risks; ensure ESG compliance in lending.	Minimum 5 years in E&S risk.	Master’s; familiarity with SBP guidelines.
GRC Officer – Information Security (OG-III)	1	Implement cybersecurity frameworks; conduct audits; train on data protection.	Minimum 5 years in governance/risk.	Bachelor’s; certifications in CISSP or CISA.

This table summarizes core openings, emphasizing ZTBL’s focus on risk and compliance excellence.

Maximum Age and Residential Requirements

• Maximum Age: As outlined, 35-60 years with relaxations for specialists. Exceeding limits disqualifies applications.
• Residential Requirements: Pakistani citizenship is mandatory. No domicile restrictions, but preference for residents of Islamabad or major cities with rural outreach experience. All positions are based at ZTBL Head Office, Islamabad, with potential nationwide travel.

These criteria ensure alignment with ZTBL’s nationwide agricultural mandate.

Important Application and Selection Procedure

Securing a role at ZTBL involves a streamlined, merit-based process:

1. Online Submission: Upload CV, attested degrees, and experience certificates via the official portal.
2. Shortlisting: Based on qualifications and relevance; incomplete applications are rejected.
3. Written Test: Conducted by Open Testing Services (OTS) on banking, risk, and analytical skills.
4. Interview: Panel assessment focusing on technical knowledge and leadership fit.
5. Medical Fitness: Final clearance post-selection.
6. Contract Signing: Initial 1-3 year term, extendable based on performance.

Applications without data consent are invalid—prepare thoroughly for a competitive edge.

Job Details and Eligibility Criteria

These contractual positions offer salaries aligned with Basic Pay Scale (BPS) 17-20, plus allowances for housing, medical, and performance bonuses. Key details:

• Contract Duration: 1-3 years, renewable.
• Eligibility Criteria: HEC-recognized degrees; minimum experience as specified; proficiency in MS Office and financial software; no criminal record.
• Job Perks: Pension under SR-2005, professional development training, and contribution to SBP-regulated agricultural financing.

Roles demand integrity, as they involve handling sensitive credit and risk data.

District-Wise Information in Table Form

District/Region	Available Positions	Application Quota	Key Focus Areas
Islamabad (Head Office)	All listed roles	100%	Risk management, operations, compliance.
Punjab (Lahore, Faisalabad)	Operational Risk Analyst, Credit Officer	40%	Agricultural lending support.
Sindh (Karachi, Hyderabad)	Market Risk Analyst, GRC Officer	20%	Liquidity and cybersecurity in rural branches.
KPK (Peshawar)	Environment Risk Officer	15%	ESG risks in northern agriculture.
Balochistan (Quetta)	Credit Administration Officer	15%	Arid zone credit assessment.
AJK/Gilgit-Baltistan	General Support Roles	10%	Remote area financing.

ZTBL’s 500+ branches ensure opportunities across districts, with head office roles centralized in Islamabad.

Key Points

• ZTBL drives Pakistan’s agricultural transformation with tech-savvy financial tools.
• Emphasis on IFRS-9 implementation and Basel III compliance for global standards.
• Equal opportunity employer promoting diversity in banking.
• Training programs enhance skills in credit analytics and risk modeling.
• Contribute to sustainable farming by mitigating climate and operational risks.

Terms and Conditions

• Appointments are contractual under ZTBL Staff Regulations (SR-2005).
• No TA/DA for tests or interviews.
• False information leads to disqualification and legal action.
• Bank reserves the right to increase/decrease positions or cancel recruitment.
• Selected candidates must relocate to Islamabad if required.
• Data privacy: Personal info used solely for recruitment.

Adhere strictly to avoid application rejection.

Last Date for Application Submission

Mark your calendars: The deadline for ZTBL Jobs 2025 applications is 10 December 2025. Submit early to avoid server issues—late entries are not entertained.

Summary Information

ZTBL Jobs 2025 feature 10+ high-impact roles in risk, operations, and credit, targeting experienced professionals aged 35-60. With HEC-recognized Master’s/Bachelor’s required, these positions offer stability, growth, and a role in Pakistan’s agri-economy. Apply online by 10 Dec 2025 for a chance to join a legacy institution serving millions.

Official Website Link for Applying

Visit the official ZTBL careers portal at www.ztbl.com.pk/jobs to apply. Create an account, upload documents, and track your status seamlessly.

Note/Warning for Complaints and Queries

For complaints or queries, contact ZTBL Head Office, Islamabad at 051-9252724 or email recruitment@ztbl.com.pk. Beware of fraudulent agents—ZTBL never charges fees for applications. Report scams immediately to avoid exploitation.

FAQs

What is the salary range for ZTBL positions?

Salaries follow BPS 17-20 scales, starting at PKR 80,000+ for officers, up to PKR 300,000+ for heads, inclusive of allowances.

Are fresh graduates eligible for ZTBL Jobs 2025?

Primarily for experienced candidates; entry-level roles may open in future announcements.

How does ZTBL support work-life balance?

Through flexible hours, medical benefits, and annual leave as per bank policy.

Can I apply for multiple positions?

Yes, but submit separate applications for each, clearly indicating preferences.

What if my application is rejected?

You’ll receive an email notification; reapply in future cycles with enhanced qualifications.

Conclusion

ZTBL Jobs 2025 represent more than employment—they’re an invitation to shape Pakistan’s agricultural future. With roles blending finance, innovation, and impact, now’s the time to leverage your expertise. Apply today, prepare diligently, and step into a rewarding career at one of the nation’s most vital banks. Your journey toward professional excellence starts here.

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ZTBL Jobs 2025

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