Zarai Taraqiati Bank Limited (ZTBL), Pakistan’s largest agricultural development financial institution, has announced the ZTBL Jobs Apply Online 2025 to hire qualified, skilled, and result-oriented professionals across multiple departments. The bank is transforming its internal systems, digital infrastructure, and risk management framework; therefore, it seeks competent individuals for senior, mid-level, and entry-level positions.

This article provides a complete breakdown of the advertisement, including company introduction, job roles, qualification requirements, eligibility criteria, salary packages, benefits, application procedure, and key FAQs. All information is written in simple, easy English for job seekers.

The bank operates under government oversight and follows the regulations of the State Bank of Pakistan (SBP). ZTBL is undergoing a digital transformation journey, upgrading its technology systems, risk management processes, and compliance frameworks. To support this modernization, the bank has opened new job positions for capable professionals.

Vacant Positions

• Credit Administration Officer
• Credit Risk Review Officer
• Environment Risk Officer
• GRC Officer
• Head Operational Risk
• IFRS-9 Manager
• Implementation CAD Head
• M&L Risk Analyst
• Monitoring CAD Head
• Operational Risk Analyst
• Penetration Tester

Vacancies Announced in ZTBL Latest Advertisement Jobs 2025:

Below is the list of positions along with required education and experience:

1. Head Operational Risk Unit (VP/SVP)

Candidates must have a Bachelor’s or Master’s degree (Finance, Economics, Business, Risk Management preferred) with 10–12 years of banking experience, especially in operational risk, Basel guidelines, risk analytics, and SBP reporting.

2. Unit Head – Implementation CAD (AVP/VP)

Bachelor’s/Master’s degree with 7+ years of experience in Credit Administration, loan documentation, portfolio monitoring, and CAD compliance procedures.

3. Unit Head – Monitoring CAD (AVP/VP)

Bachelor’s/Master’s degree with 7–10 years of professional experience in credit monitoring, documentation review, and branch coordination.

4. Manager IFRS-9 & Risk Analytics (AVP/VP)

Master’s in Finance / Statistics / Economics preferred with 5–10 years of experience in IFRS-9 model development, Expected Credit Loss (ECL) calculations, and financial risk analytics.

5. Officer – Credit Administration (OG-I)

A Bachelor’s degree with 2–3 years of experience in credit file handling, documentation, collateral verification, and loan processing.

6. Officer – Credit Risk Review (OG-I)

Bachelor’s degree with 2–4 years of experience in credit review, loan portfolio analysis, and credit evaluation.

7. Operational Risk Analyst (OG-I)

Bachelor’s degree with risk management exposure, capable of conducting RCSAs, KRIs, ORMS reporting, and operational risk analysis.

8. Environment Risk Officer (OG-I)

Bachelor’s in Environmental Sciences / Environmental Management with relevant knowledge of SBP Green Banking Guidelines.

9. M&L Risk Analyst (OG-I)

Bachelor’s/Master’s in Finance, Economics, Statistics, or Mathematics with understanding of liquidity reports, ALCO dashboards, and market risk analysis.

10. Penetration Tester (OG-I)

Bachelor’s degree (Computer Science preferred) with experience in cybersecurity, vulnerability assessment, ethical hacking, and system security testing.

11. GRC Officer – Governance, Risk & Compliance (OG-I)

Bachelor’s degree with skills in information security governance, cyber risk assessment, policy implementation, and ISO/IT auditing.

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Eligibility Criteria ZTBL Careers 2025:

General Eligibility:

• ✔ Qualification must be from HEC recognized universities

• ✔ Relevant banking/financial sector experience required

• ✔ Strong communication & report-writing skills

• ✔ Computer literacy & analytical skills

Age Limit:

• ✔ VP/SVP: Up to 55 years

• ✔ AVP/VP: Up to 50 years

• ✔ OG-I: Up to 35 years

Gender:

• ✔ Male & Female both eligible

• ✔ Women encouraged to apply

Quota:

• ✔ Government-approved quotas applicable

• ✔ Minorities encouraged

• ✔ Disabled candidates welcomed

Domicile:

• ✔ Open for all Pakistan (Punjab, Sindh, KP, Balochistan, AJK, GB)

Skills Required (Short Points):

• ✔ Risk assessment & analytics

• ✔ Credit processing & loan evaluation

• ✔ Report writing & documentation

• ✔ Compliance and regulatory knowledge

• ✔ IT security & penetration testing skills

• ✔ Environmental and social risk understanding

• ✔ Data analysis & MIS reporting

Banking Jobs 2025 Pakistan Salary for All Vacancies:

ZTBL offers market-competitive salaries depending on grade and experience:

• ✔ VP/SVP level: PKR 250,000 – 450,000+

• ✔ AVP/VP level: PKR 180,000 – 300,000+

• ✔ OG-I level: PKR 90,000 – 150,000+

• ✔ Allowances depend on posting location

• ✔ Additional performance-related increments offered

Benefits Offered by ZTBL Jobs 2025:

ZTBL provides excellent employment benefits, including:

• ✔ Permanent government-backed job structure

• ✔ Medical & health insurance coverage

• ✔ Provident fund & gratuity

• ✔ Paid leaves and annual leave encashment

• ✔ Training and career development programs

• ✔ Annual performance bonuses

• ✔ Job security in a reputable financial institution

Bank Jobs in Pakistan 2025 Conclusion:

ZTBL Jobs 2025 provide a great opportunity for experienced professionals and mid-career individuals looking to join Pakistan’s largest agricultural development bank. The positions offer market-competitive salaries, strong job security, and vast growth potential in risk management, IT security, credit operations, and compliance. Candidates from all provinces can apply and secure a prestigious position in a well-established institution. If you meet the eligibility criteria, make sure to apply before the deadline and start your career with ZTBL’s expanding and digitally transforming workforce.

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Important FAQs Zarai Taraqiati Bank Jobs 2025:

1. What is the last date to apply for ZTBL Jobs 2025?

Last Date: 10 December 2025.

2. How can I apply for ZTBL recruitment?

Apply online at www.ztbl.com.pk/jobs.

3. Are these permanent government jobs?

Yes, ZTBL offers regular/permanent positions based on performance.

4. Who is eligible to apply?

Candidates with relevant education and banking experience from anywhere in Pakistan.

5. Is experience required for OG-I level?

Yes, minimum 2–3 years experience is required for all OG-I posts.

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