Relationship Manager

We are looking for a proactive and customer-oriented Relationship Manager to join our Retail Banking team. The ideal candidate will be responsible for acquiring and managing relationships with high-value retail customers, affluent individuals, salaried professionals, and liability-focused segments. This role focuses on driving deposit growth, increasing customer balances, expanding product adoption, and delivering outstanding customer experiences through a consultative approach.

Key Responsibilities

- Acquire new liability customers and contribute to the growth of the bank’s deposit portfolio.
- Manage and deepen relationships with assigned retail and affluent customer portfolios.
- Achieve targets related to CASA, term deposits, and funded customer acquisition.
- Identify customer needs and recommend suitable banking products and solutions.
- Proactively engage with customers to grow their balances and expand product usage.
- Cross-sell retail banking products including cards, wealth solutions, remittances, and digital banking services.
- Maintain a healthy customer portfolio through regular interactions and engagement initiatives.
- Identify opportunities to acquire payroll customers, professionals, and high-net-worth individuals.
- Conduct customer meetings, presentations, relationship reviews, and portfolio discussions.
- Ensure timely resolution of customer queries, complaints, and service requests.
- Collaborate closely with Product, Performance & Growth, Distribution, and Customer Experience teams to support business objectives.
- Conduct market intelligence and competitor analysis within assigned customer segments.
- Support liability campaigns, customer acquisition initiatives, and promotional activities.
- Prepare portfolio reviews, sales pipelines, management reports, and performance updates.
- Ensure compliance with KYC, AML/CFT, SBP regulations, and internal governance requirements.

Required Qualifications

- 4 to 7 years of experience in banking, specifically in Liability Sales, Relationship Management, Retail Banking, Priority Banking, Wealth Banking, or Deposit Mobilization.
- Proven track record in customer acquisition, deposit growth, and portfolio management.
- Strong preference for candidates with branch banking experience and demonstrated success in liability sales within banks, Islamic banks, digital banks, DFIs, MFBs, or other financial institutions.
- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Marketing, or a related field.

Skills and Competencies

- Expertise in Liability Sales and Deposit Mobilization
- Strong Relationship Management and Customer Acquisition abilities
- CASA Growth Strategy implementation
- Effective Customer Portfolio Management
- Cross-Selling and Upselling proficiency
- Awareness of Wealth and Investment products
- Commitment to Customer Service Excellence
- Business Development and Stakeholder Management skills
- Knowledge of Regulatory and Compliance requirements

Raqami Bank is committed to equal opportunity employment and encourages applications from all qualified individuals, including Persons with Disabilities (PWDs). We strive to create an inclusive workplace where everyone has the chance to thrive.