Bank AL Habib Jobs 2026 are an important employment opportunity for graduates, experienced banking professionals, technology specialists, customer service professionals, trade experts and candidates looking to build a long-term career in Pakistan’s banking sector. Bank AL Habib Limited has a wide range of career functions covering branch banking, customer services, Islamic banking, digital banking, cards, operations, information technology, human resources, trade finance and corporate or commercial credit. The bank’s official careers information states that it has more than 10,000 employees and operates dedicated training and development programs for different cadres of staff.
For 2026, applicants may find positions such as Branch Sales Officer, Service Quality Officer, CDM Product Support Officer, Credit Card Maintenance Officer, Trade Officer, Trade Relationship Manager, Relationship Manager for Corporate or Commercial Credit, IT Trainee Officer, HR Business Partner and other specialized banking positions. The official current openings page shows vacancies in Karachi and other Pakistani locations including Lahore, Islamabad, Peshawar, Faisalabad, Sialkot, Sukkur, Nawabshah, Quetta and several other cities depending on the individual position.
Bank AL Habib is particularly relevant for candidates who want practical exposure to branch operations, customer handling, banking products, digital transaction systems, trade finance or information technology. Its career program also includes specialized training delivered by professionals, senior management members and subject matter experts. The bank describes its workplace as one that encourages professional development, further academic qualifications and banking certifications such as JAIBP and AIBP.
This Bank AL Habib Jobs 2026 guide explains the expected positions, qualifications, responsibilities, experience requirements, documents, salary considerations, application procedure and recruitment process. For newspaper readers, job seekers commonly monitor publications such as Daily Jang, Daily Dawn and Daily Express for recruitment advertisements, but applicants should verify every vacancy and closing date through the official Bank AL Habib careers portal before submitting an application.
Jobs Overview
| Job Detail | Information |
|---|---|
| Hiring Organization | Bank AL Habib Limited |
| Primary Keyword | Bank AL Habib Jobs 2026 |
| Location | Karachi, Lahore, Islamabad |
| Salary | Rs. 75,000 to Rs. 285,000 indicative range |
| Category | Banking, Finance, Customer Services, IT and Operations |
| Job Type | Full Time |
| Qualification Type | Bachelors, Master |
| Working Hours | 8 to 10 Hours |
| Contract Type | Fixed-Term/Contract |
| Newspaper | Daily Jang, Daily Dawn, Daily Express |
| Release Date | 20 August 2026 |
| Last Date | 29 December 2026 |
| Official Careers Portal | Bank AL Habib Careers |
The salary range above is an indicative editorial range requested for this job guide, not a salary promise for every Bank AL Habib vacancy. Actual compensation depends on the position, grade, experience, location and employment terms stated in the relevant advertisement.
The closing date shown in this overview is also a general article date rather than a universal closing date. Bank AL Habib vacancies have individual application deadlines, so candidates should rely on the deadline displayed for the specific vacancy on the official careers portal.
Positions
The following ten positions are based on roles and functions appearing in Bank AL Habib’s current careers information or closely related recruitment categories:
- Branch Sales Officer
- Service Quality Officer
- CDM Product Support Officer
- Credit Card Maintenance Officer
- Trade Officer
- Trade Relationship Manager
- Relationship Manager – Corporate / Commercial Credit
- IT Trainee Officer
- HR Business Partner – Islamic Banking
- Senior Analyst – Internal Service Standards
Bank AL Habib’s current openings page contains different eligibility requirements for different positions, meaning applicants should not assume that one qualification or experience requirement applies to all vacancies.
Jobs Description
1. Branch Sales Officer
The Branch Sales Officer position is suitable for candidates interested in direct banking sales and customer interaction. Bank AL Habib describes this role as customer-focused and connected with its branch network.
Responsibilities:
- Promote relevant Bank AL Habib banking products to prospective and existing customers.
- Develop customer relationships through branch-based sales activities.
- Understand customer requirements and guide customers toward appropriate banking solutions.
- Support branch-level business development targets.
- Maintain professional communication with customers.
- Coordinate with branch colleagues to facilitate customer requests and sales activities.
- Maintain accurate customer and sales records.
Qualification:
- Graduates with relevant sales experience are preferred.
- Fresh graduates are also encouraged to apply for the stated position.
- Intermediate candidates with relevant banking sales experience may also be considered where the advertisement permits.
- Strong interpersonal and communication skills are important for customer-facing branch work.
The official vacancy information specifically states that fresh graduates are encouraged to apply for the Branch Sales Officer role.
2. Service Quality Officer
A Service Quality Officer works around the quality of customer service delivered through Bank AL Habib’s branch and service network.
Responsibilities:
- Monitor service standards across assigned branches or customer touchpoints.
- Identify gaps in customer service processes.
- Support process improvement initiatives.
- Review service performance against defined standards.
- Analyze customer feedback and service-related information.
- Coordinate with relevant departments when service weaknesses are identified.
- Contribute to improved customer experience.
Qualification:
- A Bachelor’s degree is appropriate for the position.
- Banking or customer service knowledge is valuable.
- Strong analytical ability is required.
- Good communication and interpersonal skills are important.
- Candidates should be comfortable working with service-quality data and operational observations.
Bank AL Habib currently lists Service Quality Officer positions within its Customer Services function and indicates locations including Sukkur, Nawabshah, Quetta and Islamabad for the relevant opening.
3. CDM Product Support Officer
This position is closely connected with Cash Deposit Machine operations and digital transaction support.
Responsibilities:
- Monitor day-to-day CDM business operations across branches.
- Coordinate with information technology teams and vendors.
- Support CDM deployment and system integration.
- Monitor machine performance and downtime.
- Prepare MIS reports covering CDM performance and transaction volumes.
- Help branches resolve CDM operational issues.
- Liaise with vendors when technical problems require attention.
- Encourage effective use of CDM facilities and digital transaction channels.
Qualification:
- Bachelor’s degree required.
- Master’s degree may be preferred.
- Relevant experience in ATM or CDM operations is valuable.
- Bank AL Habib’s current listing specifies a minimum of six months of relevant experience for this position.
- Technical coordination, reporting and communication skills are useful.
The official vacancy specifically identifies Karachi as the location for the CDM Product Support Officer role.
4. Credit Card Maintenance Officer
The Credit Card Maintenance Officer works with operational activities related to credit card accounts and customer requests.
Responsibilities:
- Update customer information in the credit card system after receiving verified requests.
- Process card limit enhancements according to approved procedures.
- Handle card reissuance and replacement activities.
- Process cancellations and direct debit updates.
- Manage reward point redemption requests.
- Prepare daily MIS reports.
- Support billing-cycle activities.
- Handle statement-related queries through the relevant customer management system.
- Maintain accurate operational records.
Qualification:
- Bachelor’s degree required.
- Master’s degree may be preferred.
- Relevant banking, cards or operations experience is beneficial.
- Bank AL Habib currently specifies at least one year of relevant experience for this role.
- Accuracy and attention to transaction details are particularly important.
This position is currently listed for Karachi.
5. Trade Officer
Trade banking requires careful documentation and knowledge of international and domestic trade procedures. The Trade Officer position is therefore suited to candidates with specialized banking exposure.
Responsibilities:
- Process trade-related banking transactions.
- Support documentation associated with trade finance.
- Work with relevant departments on customer trade requests.
- Apply applicable trade finance procedures.
- Maintain accurate transaction records.
- Support compliance with foreign exchange and trade-related requirements.
- Assist customers and internal teams with trade transaction queries.
Qualification:
- Bachelor’s or Master’s degree.
- Knowledge of trade finance is required.
- Understanding of the FE Manual, TBML regulations and PSW processes is valuable.
- Strong problem-solving and interpersonal skills are required.
- Candidates should be organized and attentive to documentation.
Bank AL Habib’s current Trade Officer listing states Karachi and Lahore as locations and asks for two to five years of trade experience.
6. Trade Relationship Manager
The Trade Relationship Manager position combines trade finance knowledge with customer relationship responsibilities.
Responsibilities:
- Manage trade-related customer relationships.
- Understand client trade requirements.
- Coordinate with internal banking departments.
- Address client queries relating to trade transactions.
- Maintain high service standards for trade customers.
- Support business development within the trade banking function.
- Ensure transactions are processed with appropriate documentation and regulatory awareness.
Qualification:
- Bachelor’s or Master’s degree.
- More than five years of relevant experience is specified in the current listing.
- Strong trade finance knowledge is necessary.
- Client-facing communication skills are important.
- Knowledge of foreign exchange procedures and trade regulations is beneficial.
The current Bank AL Habib listing identifies Karachi as the location for this position.
7. Relationship Manager – Corporate / Commercial Credit
This position involves corporate customers, credit assessment and relationship management.
Responsibilities:
- Manage and develop corporate or commercial banking relationships.
- Review customers using a risk-based approach.
- Analyze financial statements.
- Evaluate industry and business risks.
- Consider environmental and social risks where applicable.
- Conduct research into selected industries.
- Prepare benchmarking studies based on borrowers’ financial information.
- Coordinate with internal credit and business teams.
- Support prudent management of the credit portfolio.
Qualification:
- Bachelor’s or Master’s degree in a relevant field.
- Corporate or commercial banking knowledge is beneficial.
- Financial statement analysis skills are important.
- Credit risk understanding is valuable.
- Strong research, analytical and communication skills are required.
Bank AL Habib currently states that candidates with one to two years of Corporate or Commercial Banking or Relationship Management experience are preferred, while fresh graduates are also welcome for the stated opening.
8. IT Trainee Officer
The IT Trainee Officer Program is one of the most technically distinctive career paths at Bank AL Habib. It is designed for candidates who want exposure to multiple areas of banking technology.
Responsibilities and learning areas include:
- Participate in technology training and practical assignments.
- Learn how banking technology systems support financial services.
- Work with business analysis teams.
- Gain exposure to software development and quality assurance.
- Learn about infrastructure and networking.
- Gain exposure to DBA, BI and MIS functions.
- Understand information security activities.
- Learn about digital banking technology.
- Work with IT operations, ERP, middleware and project management functions.
- Participate in assignments and projects under experienced professionals.
Qualification:
- Minimum 16 years of education.
- Four-year Bachelor’s degree in Computer Science, Computer Engineering, Software Engineering, Electrical Engineering, Electronics Engineering or Telecom Engineering from a reputed institution.
- Relevant experience may range from fresh graduate level to two years depending on the program.
- The current program information lists a maximum age of 25 years as of January 31, 2026 for that stated intake.
Bank AL Habib says the IT Trainee Officer Program provides exposure to Business Analysts, Development, Quality Assurance, Infrastructure, Networking, DBA/BI/MIS, Security, Digital, Governance, IT Operations, ERP, Middleware, PMO and external applications.
9. HR Business Partner – Islamic Banking
This position is designed for an experienced HR professional working with the Islamic Banking function.
Responsibilities:
- Develop HR strategies for the Islamic Banking function.
- Support recruitment activities.
- Coordinate learning and development initiatives.
- Use HR analytics to support business decisions.
- Build relationships with internal stakeholders.
- Support employee performance and professional development.
- Handle complex employee relations matters.
- Assist with grievance and disciplinary cases.
- Provide professional HR guidance.
- Support organizational change.
Qualification:
- Bachelor’s degree in a relevant field.
- Minimum five years of HR experience.
- Banking industry exposure is preferred.
- Strong analytical and problem-solving ability.
- Excellent written and verbal communication skills.
- Ability to work with senior stakeholders.
The current Bank AL Habib vacancy identifies Karachi as the location for this position.
10. Senior Analyst – Internal Service Standards
This role focuses on measuring and improving internal service performance.
Responsibilities:
- Establish and document Service Level Agreements.
- Develop and monitor Key Performance Indicators.
- Conduct quality monitoring across backend functions.
- Review Call Center, Customer Complaints, Account Opening, Trade, Cash Management and ADC functions.
- Identify service gaps and operational bottlenecks.
- Analyze deviations from established standards.
- Recommend corrective actions.
- Support process improvement activities.
- Prepare analytical information for management review.
Qualification:
- Bachelor’s degree required.
- Master’s degree is preferred.
- Three to five years of proven Service Quality Monitoring experience is specified in the current listing.
- Strong analytical and communication skills are required.
- Knowledge of banking service processes is beneficial.
The position is currently listed for Karachi.
Key Responsibilities
Candidates joining Bank AL Habib should understand that responsibilities differ significantly according to the division and grade. Specific responsibilities shown in current openings include:
- Managing customer-facing branch sales activities.
- Monitoring service quality at branches and customer touchpoints.
- Handling ADC reconciliation and transaction disputes.
- Supporting Raast, IBFT, ATM and bill-payment related dispute processes.
- Managing credit card maintenance activities.
- Supporting CDM operations and digital transaction channels.
- Processing trade finance transactions.
- Assessing corporate and commercial credit relationships.
- Preparing financial and industry analysis.
- Supporting human resource strategies for Islamic Banking.
- Monitoring internal service standards and KPIs.
- Participating in IT development, infrastructure, security and digital banking projects.
The current openings demonstrate that Bank AL Habib recruits across customer service, digital banking, cards, trade, credit, HR and technology rather than concentrating only on traditional branch banking.
Educational Qualification and Skills
- Bachelor’s degree from a recognized institution for many officer-level vacancies.
- Master’s degree may be preferred for several professional positions.
- Banking, Finance, Commerce and Business Administration backgrounds are relevant to many banking roles.
- Computer Science, Software Engineering, Computer Engineering, Electrical, Electronics and Telecom Engineering are relevant to the IT Trainee Officer Program.
- Strong written and verbal communication.
- Customer service ability for branch and service roles.
- Financial statement analysis for corporate credit positions.
- Trade finance knowledge for Trade Officer and Trade Relationship Manager roles.
- Microsoft Excel and Microsoft Access knowledge for ADC reconciliation-related work.
- Power BI or other business intelligence knowledge can provide an advantage for analytical roles.
- Problem-solving and analytical skills.
- Ability to manage multiple tasks.
- Accurate documentation and record keeping.
- Professional interpersonal skills.
Bank AL Habib also highlights structured training and encourages employees to pursue additional academic and professional qualifications.
Eligibility Criteria
- Pakistani candidates should meet the nationality and residency conditions stated in the relevant advertisement.
- Applicants must possess the qualification specified for the selected vacancy.
- Degrees should come from recognized institutions where the advertisement requires recognition.
- Experience requirements vary considerably between vacancies.
- Fresh graduates can be eligible for selected positions, including the Branch Sales Officer and some corporate relationship openings.
- Experienced candidates should provide accurate employment history.
- Candidates must meet any age limit specified in the individual advertisement.
- Applicants should demonstrate the technical or banking knowledge stated in the vacancy.
- Only relevant and shortlisted candidates may be contacted for further recruitment stages.
- Applicants should apply through the official Bank AL Habib recruitment channel rather than relying on unofficial job pages.
The bank’s official FAQ confirms that applicants can apply through its job portal, while profiles may also be shared with the HR Division in response to advertisements or public announcements.
Required Experience
- Fresh graduates may qualify for selected entry-level positions.
- Branch sales experience is preferred for relevant Branch Sales Officer applications.
- Six months of relevant ATM or CDM experience is specified for the current CDM Product Support Officer listing.
- One year of relevant experience is specified for the Credit Card Maintenance Officer.
- Two to five years of trade experience is specified for the Trade Officer.
- More than five years of experience is specified for the Trade Relationship Manager.
- Three to five years of Service Quality Monitoring experience is specified for Senior Analyst – Internal Service Standards.
- Minimum five years of HR experience is specified for the HR Business Partner – Islamic Banking.
- Corporate or commercial banking or relationship-management experience is preferred for relevant Relationship Manager positions.
Applicants should always compare their experience with the exact vacancy because Bank AL Habib does not apply one universal experience requirement to every job.
Required Documents
- Updated CV or resume.
- CNIC or other identification document when requested.
- Recent photograph if required by the application system.
- Educational certificates or degree information.
- Academic transcripts where requested.
- Experience certificates for experienced positions.
- Professional certification details where relevant.
- Accurate contact information.
- Current employment information for experienced candidates.
- Any additional document specifically requested in the vacancy advertisement.
Candidates should not upload unnecessary personal documents unless the official application process requests them.
Age Limit and Nationality
- Nationality requirements should be checked in the individual vacancy advertisement.
- Age limits are position-specific rather than identical for every Bank AL Habib job.
- The IT Trainee Officer information currently specifies a maximum age of 25 years as of January 31, 2026 for that program.
- The Senior Manager Service Quality listing currently states a maximum age of 32 years.
- Some experienced vacancies may not use the same age bracket as trainee or entry-level programs.
- Candidates should therefore verify the age condition before applying.
Bank AL Habib’s current openings show that age and experience conditions can change significantly between trainee, officer and managerial positions.
Salary of Bank AL Habib Jobs in 2026
- Indicative salary range for this article: Rs. 125,000 to Rs. 285,000 per month.
- Entry-level banking positions may have different compensation from experienced managerial positions.
- Specialist areas such as corporate credit, trade finance, technology and HR can have different salary structures.
- Actual remuneration is determined by Bank AL Habib according to position, grade, experience and internal compensation policies.
- The official current openings do not publish a universal salary figure for all Bank AL Habib Jobs 2026.
- Candidates should not treat third-party salary estimates as guaranteed Bank AL Habib pay.
- Additional employment benefits, training opportunities and career-development arrangements may depend on the employee grade and applicable bank policy.
Bank AL Habib officially highlights employee development, training and career progression, including opportunities to develop skills and pursue professional qualifications.
Online Application Process for Bank AL Habib Jobs in 2026
- Visit the official Bank AL Habib careers page and open the current job opportunities section.
- Review the vacancy title carefully before applying because different positions have different qualifications, experience requirements and locations.
- Open the specific vacancy and read the complete job description rather than applying solely because the job title matches your education.
- Check whether the vacancy is located in Karachi, Lahore, Islamabad or another listed city.
- Confirm the required experience, age condition and educational background.
- Prepare an updated CV containing your degree, relevant employment history, technical skills and professional qualifications.
- Complete the online application through the recruitment facility linked with the official Bank AL Habib careers system.
- Enter your name, contact details, education and experience accurately.
- Make sure the employment dates and qualifications in your application match your CV.
- For IT positions, clearly present programming, database, networking, security, software development or related technical skills where relevant.
- For trade positions, highlight trade finance, FE Manual, TBML, PSW and applicable international trade knowledge where genuinely applicable.
- For customer service positions, highlight branch banking, complaint handling, service quality or customer-facing experience.
- Review your application before submitting it.
- Keep a record of the vacancy title and application information for future reference.
- Do not submit false information or claim experience that you do not possess.
- Bank AL Habib’s official FAQ confirms that applications can be submitted through its job portal, and it states that some recruitment processes can take a number of weeks.
- The bank also says shortlisted candidates are contacted and that interview questions are expected to relate to the skills and competencies relevant to the position.
How to Prepare for Bank AL Habib Jobs in 2026
- Study the exact job description before preparing your application.
- Revise fundamental banking concepts if applying for branch, operations or relationship-management roles.
- Practice financial statement analysis for corporate or commercial credit positions.
- Review trade finance terminology for Trade Officer and Trade Relationship Manager applications.
- Understand customer service standards for Service Quality positions.
- Practice Excel for analytical and reconciliation-related positions.
- Learn basic Power BI concepts if applying for analytical roles where business intelligence knowledge is advantageous.
- For IT Trainee Officer applications, revise programming, databases, networking, software engineering and information-security fundamentals.
- Prepare examples demonstrating teamwork and problem-solving.
- Be ready to explain your previous responsibilities rather than simply listing job titles.
- Review Bank AL Habib’s mission of making banking safe, simple and pleasant.
- Understand that the bank emphasizes training, professional development and career progression.
- Prepare concise explanations of why your education matches the particular banking function.
- Keep original educational and experience documents available if requested during recruitment.
Bank AL Habib states that its interview process is intended to assess skills and competencies relevant to the role, so preparation should focus on the actual vacancy rather than generic interview answers.
Recruitment Process
- Vacancy announcement is published through the bank’s official recruitment channels.
- Candidates submit applications through the specified application method.
- Applications are reviewed against the position’s qualification and experience criteria.
- Suitable candidates are shortlisted.
- Shortlisted applicants may be contacted for an interview or assessment.
- Interview questions are expected to relate to the skills and competencies required for the particular position.
- Additional recruitment stages may apply depending on the vacancy.
- Successful candidates proceed through the bank’s employment formalities.
- Selected employees may receive role-specific training and development opportunities.
- Bank AL Habib states that recruitment for some roles can take several weeks and that candidates are kept updated during the process.
Contact Details
Website: https://www.bankalhabib.com
Email: info@bankalhabib.com
Helpline: +92 21 111-014-014
Postal Address: 74000
Office Address: 5th Floor, MacKinnon’s Building, I.I. Chundrigar Road, Karachi
Bank AL Habib’s official contact page confirms the general enquiry email and UAN number and lists the Karachi office at MacKinnon’s Building, I.I. Chundrigar Road. The bank also lists its Karachi zonal office at the fifth floor of MacKinnon’s Building.
Final Thoughts
Bank AL Habib Jobs 2026 cover considerably more than conventional counter-based banking. The bank’s current recruitment information shows opportunities in branch sales, customer service, digital banking operations, card management, trade finance, corporate credit, human resources and information technology. This variety makes the careers portal particularly useful for applicants with different academic and professional backgrounds.
Fresh graduates should pay close attention to vacancies that explicitly welcome new entrants. The Branch Sales Officer opportunity is one example, while the IT Trainee Officer Program provides a structured route for appropriately qualified technology graduates. Experienced professionals can target specialized positions such as Trade Relationship Manager, HR Business Partner, Service Quality roles and corporate or commercial credit positions.
Applicants should remember that Bank AL Habib does not use one standard qualification, age limit, experience requirement or salary for every vacancy. The exact advertisement is the controlling source for each position. Candidates should therefore read the complete official vacancy before applying and should use the official careers portal for the latest recruitment information.
The bank also places substantial emphasis on training and professional development. Its official careers information describes specialized training involving professionals, senior management and subject matter experts, while its career-development approach supports learning, promotions and additional academic or professional qualifications.
For anyone searching online for Bank AL Habib Jobs 2026, the most practical approach is to match your qualification and experience with a specific vacancy, prepare a focused CV, apply through the official recruitment channel and remain available for the subsequent selection stages. This is more reliable than applying to every banking position without checking its actual requirements.
FAQs
What qualifications are required for Bank AL Habib Jobs 2026?
Bank AL Habib uses different educational requirements according to the vacancy. Many officer-level positions require a Bachelor’s degree, while some roles prefer or accept a Master’s degree. Banking, Finance, Commerce and Business Administration qualifications are relevant to many banking positions, while the IT Trainee Officer Program specifically accepts suitable four-year degrees in fields such as Computer Science, Computer Engineering, Software Engineering, Electrical Engineering, Electronics Engineering and Telecom Engineering. Applicants should always check the exact qualification listed in the vacancy before submitting an application.
Can fresh graduates apply for Bank AL Habib Jobs 2026?
Yes, selected Bank AL Habib vacancies can be suitable for fresh graduates. The current Branch Sales Officer listing states that fresh graduates are encouraged to apply, while the Relationship Manager – Corporate / Commercial Credit listing also indicates that fresh graduates may apply for the stated opening. However, experienced positions such as Trade Relationship Manager, HR Business Partner and Senior Analyst – Internal Service Standards require substantially more relevant experience. Fresh graduates should therefore search specifically for vacancies whose eligibility criteria allow entry-level applicants.
How can I apply for Bank AL Habib Jobs 2026 online?
Applicants should use the official Bank AL Habib careers and current openings pages to identify the vacancy they want to pursue. The official careers FAQ confirms that candidates can apply through the job portal available on the bank’s website. Applicants should read the complete job description, confirm their qualification and experience, prepare an updated CV and complete the application accurately. The bank advises that some recruitment processes can take several weeks, so candidates should keep their contact information active after applying.
What type of jobs are available at Bank AL Habib in 2026?
Bank AL Habib’s current openings demonstrate a broad range of professional functions. Examples include Branch Sales Officer, Service Quality Officer, CDM Product Support Officer, Credit Card Maintenance Officer, Trade Officer, Trade Relationship Manager, Relationship Manager for Corporate or Commercial Credit, HR Business Partner – Islamic Banking, Senior Analyst – Internal Service Standards and IT Trainee Officer. These positions cover branch sales, customer service, digital transaction systems, card operations, trade finance, credit, human resources and information technology.
Does Bank AL Habib provide training and career development opportunities?
Yes. Bank AL Habib officially describes specialized training delivered through its in-house training institution, with participation from professionals, senior management members and subject matter experts. Training covers banking functions and products, people skills, mandatory learning and other skills needed for employees to perform their roles effectively. The bank also describes career development planning, performance assessment and opportunities for employees to improve academic and professional qualifications. Its careers information specifically mentions encouragement toward qualifications such as Master’s degrees, JAIBP and AIBP.