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Details of Job Advertisement by Private Company 09-Sep-2026

This job was posted on 09-Sep-2026 and has a last application date of 25-Sep-2026.

This is an official recruitment notice published by Karakuram Cooperative Bank Limited (KCBL) in Gilgit-Baltistan, Pakistan. The bank is seeking a highly experienced and accomplished banking professional for the senior-level position of Advisor/Transformation Lead on a contractual basis for one year, extendable. This role has been created by the Board of Directors to lead the bank's institutional transformation and prepare it for transition into a Scheduled Bank regulated by the State Bank of Pakistan (SBP). The advertisement outlines the key responsibilities, eligibility criteria, application process, deadline, and terms of appointment.

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Detailed Format of the Advertisement (with Explanations)

Here is the text broken down by sections, with an explanation of the purpose and key details of each.

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1. Header: Bank Identification

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KCBL
Cooperative Bank Limitedp
Karakuram Cooperative Bank Limited

• Purpose: To clearly identify the employer.

• Details: It displays the abbreviated name (KCBL), a partial tagline, and the full legal name of the bank.

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2. Job Title / Subject Line

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SITUATION VACANT
ADVISOR/TRANSFORMATION LEAD

• Purpose: To immediately inform the reader that this is a job vacancy and specify the exact position title.

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3. Introduction & Context

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Karakuram Cooperative Bank Limited (KCBL), Gilgit-Baltistan, invites applications from highly accomplished and experienced banking professionals for appointment as Advisor/Transformation Lead (Under Board Mandate) on a contractual basis for a period of 1 year extendable.

The position has been created pursuant to a mandate of the Board of Directors (BOD) to lead KCBL's institutional transformation and prepare the Bank for transition into a Scheduled Bank regulated by the State Bank of Pakistan (SBP).

• Purpose: To introduce the vacancy, its nature, and the strategic reason behind it.

• Details:

  • Employer: Karakuram Cooperative Bank Limited (KCBL), located in Gilgit-Baltistan.

  • Target Audience: Highly accomplished and experienced banking professionals.

  • Position: Advisor/Transformation Lead.

  • Employment Basis: Contractual for 1 year, extendable.

  • Context: The role is created by the Board of Directors to lead institutional transformation and prepare KCBL to become a Scheduled Bank under SBP regulation.

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4. Key Responsibilities

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Key Responsibilities:
The successful candidate will, under the direction and oversight of the Board of Directors:
- Lead KCBL's SBP licensing/scheduling process, including regulatory readiness, inspections and remediation of SBP observations.
- Serve as the principal interface with SBP and other relevant regulatory authorities on transformation and regulatory matters.
- Strengthen corporate governance, Board committees, internal controls and regulatory reporting in line with applicable SBP requirements.
- Lead operational restructuring and process re-engineering across Head Office and branches.
- Establish and strengthen independent Risk Management, Compliance, Internal Audit, AML/CFT and ERM frameworks.
- Drive IT and digital transformation, including modernization of the core banking system, Information/cybersecurity, disaster recovery/business continuity and management information systems.
- Lead human resource and organizational transformation, including manpower assessment, organizational restructuring, change management, Organizational culture shift management, performance management and leadership development.
- Improve asset quality, recoveries, capital planning, financial sustainability and profitability.
- Develop and implement a comprehensive transformation roadmap and ensure timely delivery of Board-approved objectives.

• Purpose: To outline the core duties and expectations of the role.

• Details: The role is broad and covers:

  • Regulatory: Leading SBP licensing, acting as principal interface with regulators.

  • Governance: Strengthening corporate governance, internal controls, and regulatory reporting.

  • Operations: Restructuring and re-engineering processes.

  • Risk & Compliance: Establishing Risk Management, Compliance, Internal Audit, AML/CFT, and ERM frameworks.

  • IT & Digital: Driving core banking modernization, cybersecurity, and disaster recovery.

  • HR: Leading organizational restructuring, change management, performance management, and leadership development.

  • Finance: Improving asset quality, capital planning, and profitability.

  • Strategy: Developing and implementing a transformation roadmap.

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5. Eligibility & Experience

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Eligibility & Experience:
Applicants possess at least following:
- 20+ years of senior-level Central banking experience with a strong track record in leadership and institutional transformation.
- Experience as Commercial bank CEO, Deputy CEO, Group Head Compliance/Risk etc., Advisor on such transformation engagement with success stories or equivalent senior position relevant regulatory institution like SBP.
- Proven experience in SBP regulatory matters especially commercial bank licensing/scheduling, SBP & SECP regulatory remediation, banking transformation, restructuring or institutional turnaround.
- Strong understanding of banking operations as per SBP PRs, Advances/Credits, SBP Prudential regulations, governance, risk management, compliance, Audits, Taxation, SECP matters, technology and human resource transformation.
- Proven ability to lead complex change management, organizational restructuring and engage effectively with regulators, Boards and Federal & Provincial Government stakeholders.
- High standards of integrity, professionalism, independence and credibility.
- Candidates must meet applicable SBP/Regulatory Fit & Proper Criteria and other statutory/regulatory requirements.

• Purpose: To specify the minimum qualifications and experience required.

• Details:

  • Experience: 20+ years of senior-level central banking experience.

  • Role Equivalency: Must have served as CEO, Deputy CEO, Group Head, Advisor, or equivalent senior position in a commercial bank or regulatory institution like SBP.

  • Expertise: Proven experience in SBP licensing, regulatory remediation, banking transformation, restructuring, and turnaround.

  • Knowledge: Strong understanding of SBP Prudential Regulations, governance, risk, compliance, audits, taxation, SECP matters, IT, and HR transformation.

  • Soft Skills: Ability to lead change management and engage with regulators, Boards, and government stakeholders.

  • Integrity: High standards of professionalism and credibility.

  • Regulatory Compliance: Must meet SBP Fit & Proper Criteria.

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6. Appointment Authority & Reporting

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Appointment & Authority:
The Advisor/Transformation Lead will report directly to the Board of Directors and will exercise such delegated executive powers and authority as may be formally approved by the Board, without assuming the statutory office of Chief Executive Officer.

• Purpose: To clarify the reporting line and scope of authority.

• Details:

  • Reports to: Board of Directors (directly).

  • Authority: Will have delegated executive powers approved by the Board.

  • Limitation: Will not hold the statutory position of CEO.

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7. Location & Contract Details

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Location: Gilgit, Gilgit-Baltistan
Contract: 1 Year extendable (Contractual), subject to Board-approved terms and conditions

• Purpose: To provide logistical and contractual information.

• Details:

  • Workplace: Gilgit, Gilgit-Baltistan.

  • Contract Duration: 1 year, extendable.

  • Terms: Subject to Board approval.

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8. How to Apply

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How to Apply:
Compensation: Competitive remuneration commensurate with qualifications, experience and market standards.

Interested and eligible candidates are invited to submit their updated CV/resume, along with a covering letter outlining their relevant experience and suitability for the position, to:
Head HR Department KCBL, Head Office
Email: hr@kcb.com.pk. Iftikhardar4@gmail.com
Address: Karakuram Cooperative Bank Ltd Head Office near General Bus Stand, Main Shahara-e-Quaid-e-Azam, Jutial Gilgit
Phone#: 05811-457972, 05811-457523, Cell/Whatsapp# 03129700850

Last Date for Submission: 25-09-2026

• Purpose: To guide interested candidates on how to apply and the deadline.

• Details:

  • Compensation: Competitive, based on experience and qualifications.

  • Required Documents: Updated CV/Resume + Covering Letter.

  • Submission Channels: Email (two addresses provided) or physical application to the Head Office.

  • Contact: Phone numbers and WhatsApp for inquiries.

  • Deadline: Last date to submit is 25th September 2026.

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9. Selection Process & Disclaimer

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Only shortlisted candidates will be contacted. The appointment will be subject to satisfactory due diligence, verification of credentials and experience, and compliance with all applicable SBP, regulatory and statutory requirements.

KCBL reserves the right to accept or reject any application and/or cancel the recruitment process.

• Purpose: To inform candidates about the selection process and the bank's rights.

• Details:

  • Communication: Only shortlisted candidates will be contacted.

  • Verification: Appointment is subject to due diligence and verification of credentials.

  • Compliance: Must comply with SBP and other regulatory requirements.

  • Rights: KCBL reserves the right to accept/reject applications or cancel the process.

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10. Footer: Official Closing

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The Karakuram Cooperative Bank Ltd

• Purpose: To formally close the advertisement with the bank's full name.