Career Opportunities in HBL, Agri Finance Officer jobs 2026 , Apply online

1. Job Title: Agri Finance Officer – Agricultural Lending & Recovery Specialist

2. Location: Pakistan (Multiple Cities/Rural Branches)

3. Department: Agricultural Finance / SME Banking

4. Employment Type: Full-Time

5. Role & Responsibilities of the Employer

As an employer in the financial sector, our primary goal is to empower the agricultural backbone of Pakistan. We are committed to providing accessible financial solutions to farmers and agri-businesses. By hiring an Agri Finance Officer, we aim to:

• Expand Financial Access: Penetrate deep into rural markets to offer credit facilities to farmers who are the lifeblood of the economy.

• Ensure Portfolio Health: Maintain a healthy balance sheet by keeping Non-Performing Loans (NPLs) at a minimum through proactive monitoring.

• Drive Economic Growth: Support the agricultural supply chain by financing everything from seed purchase to harvesting equipment.

• Foster Relationships: Build long-term, trust-based relationships with local communities, ensuring they feel supported not just during loan disbursement, but throughout the repayment cycle.

We believe in a hands-on approach. We don't just disburse loans; we partner with our borrowers to ensure their success, which in turn secures ours.

6. Key Responsibilities

1. Financial Management & Business Acquisition

• New Business Generation: Achieve key performance targets by soliciting New-to-Bank (NTB) accounts. This requires frequent field visits to explore untapped business opportunities.

• Portfolio Management: Manage and monitor the existing loan book. This includes making daily calls to customers and following up rigorously for the recovery of Mark-up and Principal.

• Credit Assessment: Prepare comprehensive credit cases and strictly adhere to the bank’s laid-down credit process from application to disbursement.

• Risk Mitigation: Actively work to keep Non-performing Loans (NPLs) at the level accepted by bank policy.

2. Customer Service & Farmer Relations

• On-Site Assistance: Travel to rural locations to help farmers fill out application forms accurately, ensuring a smooth and customer-friendly experience.

• Relationship Management: Maintain strong relationships with farmers. Utilize a tailored approach for collections based on Agri legal standards and seasonal recovery patterns.

• Coordination & Reporting

• Liaison Ing: Maintain constant communication with the Branch Manager (BM) regarding business acquisition progress and recovery status.

• Productivity Tracking: Conduct regular follow-ups and report on productivity metrics, including the number of accounts introduced, calls made per day, and commitments fulfilled.

7. Qualifications & Skills

• Education: Bachelor’s or master’s degree in agriculture, Business Administration, Finance, or a related field.

• Experience: 1–3 years of experience in agricultural lending, microfinance, or banking operations is preferred.

Skills:

• Strong knowledge of the agricultural cycle and rural dynamics in Pakistan.

• Excellent negotiation and recovery skills.

• Proficiency in local languages (Punjabi, Sindhi, Pashto, etc.) is a significant advantage.

• Ability to work independently with minimal supervision.

• Valid motorcycle driving license (as frequent field visits are mandatory).

8. How to Apply:
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   Agri Finance Officer - Other Retail Banking Jobs Careers

Apply Before: March 05, 2026

Why Join Us?

• Competitive salary package with performance-based incentives.

• Opportunity to make a tangible impact on Pakistan’s agricultural economy.

• Comprehensive training on modern banking and recovery systems.

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