Senior Relationship Manager - Islamic Banking

Fulcrum Pvt. Ltd. is hiring for its client in the Financial Services Industry (Karachi).

Position: Associate Director / Relationship Manager (G6)

Function: Client Relationships – South

We are looking for an experienced Relationship Manager to develop profitable business relationships and manage a diversified corporate portfolio including MNCs, Local Corporates, and SME/Commercial clients. The role focuses on business development, portfolio management, credit quality, and customer relationship excellence within Islamic financial products.

Key Responsibilities:

• Develop new business opportunities and expand existing client relationships

• Manage a portfolio of corporate & commercial clients within acceptable risk parameters

• Market and structure Islamic financing products (Ijarah, Leasing, Diminishing Musharika, etc.)

• Achieve optimal utilization of approved credit lines and maintain asset yield

• Mobilize deposits through investment products (e.g., Certificates of Musharika)

• Conduct financial analysis and prepare credit proposals, reviews & documentation

• Monitor portfolio risk, repayments, overdue positions and compliance requirements

• Ensure adherence to underwriting standards, regulatory and audit guidelines

• Identify cross-selling opportunities and maximize portfolio profitability

• Handle client queries, documentation requests, NOCs, settlements & maturity processing

• Coordinate with internal departments including Credit Risk, Compliance, Finance & Operations

• Maintain updated client records, inspections, call reports and performance tracking

Requirements:

• Bachelor’s degree in Business, Finance or Accounting

• 5–6 years of experience managing Corporate/Commercial clients in Financial Services / NBFI / Banking

• Strong understanding of Islamic financing & lease structuring

• Experience in credit appraisal, financial analysis and portfolio monitoring

• Strong communication, negotiation and relationship management skills

• Proficiency in MS Office and reporting tools

• Knowledge of economic and business environment dynamics.