Relationship Manager

Raqami Islamic Digital Bank Ltd.; Karachi Division; Sur place; PKR 2 000 000 - 3 500 000; Plein temps

Résumé du poste

Raqami Islamic Digital Bank Ltd. seeks a dynamic Relationship Manager for Retail Banking in Karachi to acquire, manage, and deepen relationships with high-value retail customers and affluent professionals.

The role drives deposit growth, expands product adoption, and delivers outstanding customer experiences through a consultative approach. You will lead targeted acquisition, nurture CASA and term deposits, and cross-sell cards, wealth solutions, remittances, and digital banking services, while

Qualifications

• 4–7 years of banking experience in Liability Sales, Relationship Management, Retail Banking, Priority Banking, Wealth Banking, or Deposit Mobilization.
• Strong preference for candidates with branch banking experience and a proven track record in liability sales within banks, Islamic banks, digital banks, DFIs, MFBs, or other financial institutions.
• Demonstrated experience in customer acquisition, deposit growth, and portfolio management.

Responsabilités

• 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 CASA, term deposit, and funded customer acquisition targets.
• Identify customer needs and recommend appropriate banking products and solutions.
• Grow customer balances through proactive engagement and relationship management.
• Cross-sell retail banking products including cards, wealth solutions, remittances, and digital banking services.
• Develop and 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.
• Work 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.

Connaissances

Liability Sales

Relationship Management

Customer Acquisition

CASA Growth

Portfolio Management

Cross selling

Wealth & Investment Awareness

Customer Service

Business Development

Stakeholder Management

Regulatory & Compliance

Formation

Bachelor's degree in Business Administration, Finance, Banking, Economics, Marketing, or related discipline

Description du poste

Job Title: R elationship Manager

Department: Retail Banking

Job Overview

We are seeking a dynamic and customer-focused banking professional to acquire, manage, and deepen relationships with high-value retail customers, affluent individuals, salaried professionals, and liability-focused customer segments. The role is responsible for driving deposit growth, increasing customer balances, expanding product adoption, and delivering exceptional customer experiences through a consultative relationship management 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 CASA, term deposit, and funded customer acquisition targets.
• Identify customer needs and recommend appropriate banking products and solutions.
• Grow customer balances through proactive engagement and relationship management.
• Cross-sell retail banking products including cards, wealth solutions, remittances, and digital banking services.
• Develop and 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.
• Work 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.

Experience Required

• 4–7 years of banking experience in Liability Sales, Relationship Management, Retail Banking, Priority Banking, Wealth Banking, or Deposit Mobilization.
• Strong preference for candidates with branch banking experience and a proven track record in liability sales within banks, Islamic banks, digital banks, DFIs, MFBs, or other financial institutions.
• Demonstrated experience in customer acquisition, deposit growth, and portfolio management.

Educational Background Required

• Bachelor's degree in Business Administration, Finance, Banking, Economics, Marketing, or a related discipline.

Skills & Competencies

• Liability Sales & Deposit Mobilization
• Relationship Management
• Customer Acquisition
• CASA Growth Strategy
• Customer Portfolio Management
• Cross-Selling & Upselling
• Wealth & Investment Awareness
• Customer Service Excellence
• Business Development
• Stakeholder Management
• Regulatory & Compliance Awareness

Raqami Bank is an equal opportunity employer. We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.

Last date to apply: October 28, 2026