State Bank of Pakistan (SBP), the Central Bank, is looking for talented and energetic candidates for the following positions in Banking Policy and Regulation Department (BPRD), based in Karachi.

Deputy Director - IT Governance Officer (OG-3)

Key responsibilities of the incumbent will include, but not limited to, the following: Suggest inputs for formulation and revision of cybersecurity policies, standards, and guidelines for the banking sector to address emerging threats and technologies. Assist senior management in drafting regulatory frameworks that balance security, innovation, and operational efficiency. Assess applications for outsourcing material workloads to Cloud Service Providers, identifying shortcomings in areas such as CSP governance, data protection, availability, and security controls. Review recommendations by Standard Setting Bodies and propose revisions in existing policies to ensure they remain aligned with best international cybersecurity practices. Provide data-driven insights to assist senior management in understanding issues, identifying and recommending policy interventions for the digitization of banking services. Assist in evaluating the impact of existing regulations using data analyses and propose revisions or new policies to address emerging challenges and opportunities in banking sector. Manage and analyze the AgentChex Repository of Branchless Banking Agents using data analytics application/tools. Collaborate with relevant stakeholders for bringing about improvements in the Branchless and agency banking data. Conduct comprehensive analysis of banking sector data and generate insights on compliance trends. Collaborate with external stakeholders, including banks, digital service providers, and regulated entities, to obtain and validate data for policy development. Develop concept papers, proposals and presentations on digital, Branchless and agency banking and cyber security. Conduct data analysis using applications such as Power BI, Tableau and Advance MS Excel. Generate actionable insights through statistical models, data visualization, and trend analysis. Perform any additional tasks assigned by senior management as needed.

 Eligibility Criteria:

Education:	Bachelors/Master's degree (with a minimum of 16 years of education) in Business Administration/Computer Science) from reputable HEC recognized domestic or foreign university. Certification in Data Analytics will be an added advantage.
Age:	Maximum 45 years, as on date of advertisement.
Experience:	Minimum 8 years of experience with at least 4 years in financial sector overlooking cybersecurity and cloud technologies etc. Preference will be given to candidates having comprehensive understanding of technology governance and SBP Regulations on digital/branchless banking beside experience in data analytics.

Joint Director - Digital Banking Officer (OG-4)

Key responsibilities of the incumbent will include, but not limited to, the following: Develop policies and regulations related to digital banking, branchless and agency banking; and ensuring they foster innovation while safeguarding consumer interests and financial stability. Provide insights to senior management for the formulation of policies that promote digitization and enhance banking service delivery. Suggest market development interventions to promote innovation and technology adoption. Assist senior management in identifying and proposing policy interventions to shape the central bank's strategic roadmap for the digitization of financial services. Integrate knowledge of digital banking products and fintech ecosystems into the regulatory framework to address evolving industry needs. Prepare comprehensive reports and policy proposals for senior management, incorporating insights from market trends, regulatory challenges, and product development experiences. Provide actionable recommendations for overcoming regulatory and operational hurdles in digital banking. Evaluate the impact of policies on the banking industry and recommend adjustments as needed during the development/revision of policies, regulations and frameworks. Provide well-researched recommendations and reports to senior management on regulatory adjustments required to foster innovation while maintaining systemic stability and Act as a liaison between the central bank and other key stakeholders, including government institutions, banks, fintech firms, and international regulatory bodies/institutions to foster collaboration on policy matters. Oversee emerging market practices besides operational and compliance matters of digital banks. Assess applications for licensing of digital banks, authorization of branchless banking and agency banking services. Organize and assist to hold consultative sessions and workshops to gather feedback and foster collaboration on policy matters. Develop concept papers, proposals and presentations on digital banking and disruptive technological innovations. Conduct data analysis using applications such as EViews and SPSS, and assist in evaluating the impact of existing regulations using data analysis and propose revisions or new policies to address emerging challenges and opportunities in the banking sector. Perform any additional tasks assigned by senior management as needed.

 Eligibility Criteria:

Education:	Bachelors/Master’s degree (with a minimum of 16 years of education in Business Administration/Computer Science) from reputable HEC recognized domestic or foreign university. Certification/professional qualification in banking would be an added advantage.
Age:	Maximum 45 years as on the date of advertisement.
Experience:	Minimum 12 years of total experience in financial industry with 3 years of experience in middle management position along with 4 years of experience in digital/branchless banking services and dealing with government institution.

 Compensation:

Competitive market based compensation package backed by attractive salary and well-rounded benefits structure as per State Bank's rules.

 Application Procedure:

Interested candidates meeting the eligibility criteria may submit their applications online on https://www.sbp.org.pk/careers/status.asp. Last date of application submission is February 23, 2026. Applications, which are not in accordance with defined requirements in the advertisement, will not be entertained. Only shortlisted candidates will be contacted.

We are an Equal Opportunity Employer. Females, candidates from minorities, transgender persons and persons with disability are encouraged to apply.

Any candidate who misinforms, attempts to influence the recruitment process in any manner, tries to obtain support for his/her candidature by inappropriate means or tampers with evidence of his/her age, educational and other certificates, shall be disqualified from the current and any future recruitment process at the Bank; even if the candidate is otherwise eligible. Candidate who fails to provide the required information or documents or does not meet the specified criteria as per advertisement shall be disqualified from the current drive.