Khushhali Bank Jobs 2026 are a distinct career path than corporate banking. Khushhali Microfinance Bank Limited (KMBL) focuses on small-scale lending small loans to keep the farms going and keep shops running. That means that grit, mobility, and the ability to communicate are more important than suit or spreadsheets.
It’s an opportunity for large-scale recruitment (50plus jobs) as the bank is expanding its loan book across the nation. If you’re keen to work on the job it is possible to beat junior jobs at large banks with incentives.
Deadline: 16 February 2026
Recruitment Verdict: Who Should Apply
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Field-oriented graduate who are able to ride bikes and establish relations with other students.
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Candidates with a sales mindset at ease with goals
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Operational staff searching for desk-based, stable positions
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Expert microfinance professionals to own the branch level
If you’d rather working at a desk, stay clear of the field positionsfield roles are a microfinance is a great way to earn money.
Open Positions (2026 Intake)
| Role | Nature | Where You Work |
|---|---|---|
| Branch Manager | Leadership | Field oversight and branch supervision |
| Loan Officer (General/ME) | Sales/Field | Markets, villages |
| Recovery Officer | Field/Negotiation | Borrower visits |
| Cash Officer | Operations | Counter in the Branch |
Salary and Perks Base Pay and. “The Hustle”
Microfinance is a microfinance model where incentives are important more than the base salary.
| Position | Fixed Base Salary | Performance Incentives (Est.) |
|---|---|---|
| Branch Manager | PKR 80,000 – 120,000 | Profit share plus NPL diminution (annual) |
| Loan Officer | PKR 35,000 – 45,000 | PKR 15k-30k/month per disbursements |
| Recovery Officer | PKR 35,000 – 40,000 | The High Commission on Recoveries |
| Cash Officer | PKR 35,000 – 40,000 | Fixed (no sales pressure) |
| Benefits | Gratuities, health insurance Staff loans, gratuity | |
| Allowances | The allowance for fuel is for field tasks. |
Real-world Check: Top Loan Officers make more than their basic salary consistently.
Job Role Encoding Field and. Desk
1) Loan Officer – The Revenue Engine
What do you do?
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Go to market/villages on a bicycle
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Determine those who are borrowers (PKR 50-200k loans)
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Verify the physical location of your home or business (80 percent of field time)
Truth:
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Your earnings are figured out in relation to disbursements
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It requires stamina, confidence-building as well as mobility
2) Recovery Officer – The Tough Job
What are you doing:
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Visit delinquent borrowers
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Negotiate repayment plans
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Find write-offs
Truth:
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Pressure is high, but the commissions are very high.
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requires negotiation skills and patience
3) Cash Officer / Ops – The Desk Job
What do you do?
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Handle cash, vouchers, end-day balances
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Operations of the Support Branch
Truth:
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Hours of operation that are stable, AC office
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Limits of upside in comparison to. role in the field
Interview Prep: Microfinance Basics (They Test This)
Common Questions
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Do you own an active license and a bicycle? (Mandatory for role in the field)
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How can you confirm your income if you don’t have salary slips?
Answer: Visit shop/home, look up each day’s sales (galla) as well as the level of stock, as well as neighbor sources. -
What is an NPL?
Answer: Non-Performing Loan (90plus days past due). My aim is to maintain NPL close to zero.
Be willing to be outdoors and produce results on your own.
Eligibility Criteria Checklist
Education
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Managers: Master’s / MBA
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Officers: Bachelor’s (14 years; BA/B.Com acceptable)
Experience
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Branch Manager: 3-5 years (microfinance/banking)
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Agents New graduates are encouraged (sales ability needed)
Age
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From 22 to 40 Years
How to Apply (KMBL Careers Portal)
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Visit https://khushhalibank.com.pk/careers
(or search Khushhali Bank on Rozee) -
Filter your results by the city and the role
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Create a profile and upload your CV
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Highlight the Field Work/Sales abilities for Loan Officer role
Deadline: 16 February 2026
Pro TIP: For Loan Officer jobs, visiting the branch and submitting a CV to the Branch Manager could accelerate interviewing.
Why Khushhali Bank Is a Smart Move
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A quick learning curve as well as the potential for income increase
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Impact on communities that is real
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Leadership pathways that are designed for high performers
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A strong resume is valuable in development and microfinance.
FAQs – Khushhali Bank Jobs 2026
Do you think this is an opportunity to sell?
Loan Recover and Loan roles yes. Cash Officer no.
Can incentives be guaranteed?
They’re depending on performance but are achievable by putting in the exertion.
Do you need a bicycle?
Yes for role in the field.
Can fresh graduates be employed?
Yes especially in the loan officer roles.
Are microfinance investments dangerous?
It’s expensive, but the incentives compensate the work.
Conclusion: Should You Apply?
If you’re interested in an opportunity to earn a profit, rapid development, and real-world relevance, Khushhali Bank jobs 2026 are a great choice, especially those who have the field experience. Find a job that fits your personal preferences, get ready to work hard Apply by 16 February 2026..