138.Relationship Manager - Retail

UBL; Pakistan; On-site; PKR 1,800,000 - 3,000,000; Full time

Job summary

UBL is seeking an experienced Relationship Manager to drive deposit growth and expand business through strong client partnerships. You will identify opportunities, tailor financial solutions, and ensure superior service delivery across branches.

Key responsibilities include cross-selling, maintaining regulatory compliance (KYC/AML), and promoting digital banking adoption while delivering consistent, proactive client engagement to build loyalty and retention.

Qualifications

• Experience in financial services and relationship management.
• Knowledge of deposit growth, cross-selling and client retention.
• Strong communication and negotiation skills.
• Familiarity with KYC/AML and regulatory compliance.

Responsibilities

• Drive portfolio growth by identifying opportunities for deposit expansion, loan acquisition and investment solutions.
• Develop strategies to maximize cross-sell and strengthen client relationships.
• Nurture client relationships by understanding financial goals and offering customized solutions.
• Deliver exceptional service with timely issue resolution and proactive engagement.
• Ensure compliance with KYC, AML and risk management frameworks.
• Educate customers to adopt digital banking platforms.

Skills

Relationship management

Sales

Client engagement

Communication

Tools

CRM software

Job description

Optimize branch performance by nurturing key relationships, acquiring new clients, and providing financial solutions that drive deposit growth, business expansion, and superior service delivery.

• Drive portfolio growth, sales and revenue by identifying and capitalizing on business opportunities including deposit expansion, loan acquisition and investment solutions.
• Develop and implement strategies to maximize cross-sell potential, strengthen long-term client relationships and consistently exceed assigned targets.
• Develop and nurture strong client relationships by gaining deep insights into their financial goals, offering customized solutions, and maintaining consistent engagement to enhance customer satisfaction, retention, and loyalty.
• Deliver exceptional customer service by ensuring timely resolution of inquiries, seamless transaction processing and proactive engagement.
• Ensure full compliance with Bank’s policies and regulatory requirements, including Know Your Customer (KYC), Anti-Money Laundering (AML), and risk management frameworks, to uphold operational integrity, mitigate financial risks and protect the bank from regulatory violations.
• Educate and encourage customers to adopt digital banking platforms, enhancing accessibility, transaction efficiency and service convenience while aligning with the bank’s digital transformation initiatives.