Senior Relationship Manager

Raqami Islamic Digital Bank Ltd.; Karachi Division; On-site; PKR 4,200,000 - 5,800,000; Full time

Job summary

Raqami Islamic Digital Bank Ltd. is seeking a Senior Relationship Manager in Retail Banking to drive liability growth, manage a high-value portfolio, and deepen customer relationships with Shariah-compliant service.

You will expand wallet share by cross-selling deposits, cards and wealth solutions, while building strong employer and community networks to generate referrals and new business opportunities.

Qualifications

• 8+ years in branch banking or retail banking relationship management.
• Proven CASA acquisition and portfolio growth experience in Islamic/digital banking contexts.
• Exposure to affluent and priority customer segments is preferred.

Responsibilities

• Acquire and manage high-value retail, affluent and liability-focused relationships to hit deposits, acquisition and growth targets.
• Drive CASA growth through acquisition of payroll and affluent customers.
• Develop and execute customer acquisition plans and build a strong deposit pipeline.
• Deepen relationships to increase balances, wallet share and profitability.
• Cross-sell deposits, cards, wealth solutions and digital banking services.
• Build relationships with employers and business communities to generate referrals.
• Support payroll acquisition and relationship development with internal stakeholders.
• Conduct regular portfolio reviews and monitor health, balances and profitability.
• Ensure timely resolution of customer concerns and partner with CX for better journeys.
• Support campaigns and initiatives aimed at liability growth.
• Adhere to KYC, AML/CFT, SBP regulations and internal governance.

Skills

Liability Sales & Deposit Mobilization

CASA Growth & Customer Acquisition

Relationship & Portfolio Management

Affluent & Priority Banking

Payroll & Business Development

Cross-Selling & Wealth Product

Branch Banking Operations & Sales

Negotiation & Networking

Customer-Centric Mindset & Results

KYC/AML & Shariah Compliance

Education

Bachelor's degree in Business Administration

MBA or related postgraduate qualification

Job description

Job Title: Senior Relationship Manager

Department: Retail Banking

Job Overview

We are seeking a results-driven relationship banking professional to drive liability growth, customer acquisition, and relationship deepening for the Bank's Retail Banking business. The role is responsible for managing a portfolio of high-value retail, affluent, and payroll customers, mobilizing CASA deposits, expanding wallet share, and developing new business through employer, professional, and community networks, while delivering exceptional, Shariah-compliant customer service and maintaining strong regulatory and conduct standards.

Key Responsibilities

• Acquire and manage high-value retail, affluent, and liability-focused customer relationships to achieve assigned deposit, acquisition, and portfolio growth targets.
• Drive CASA growth through the acquisition of individual, affluent, and payroll customers.
• Develop and execute customer acquisition plans within assigned market segments, building and converting a strong deposit pipeline.
• Deepen existing relationships to increase balances, retention, wallet share, and customer profitability.
• Cross-sell banking products including deposits, cards, wealth solutions, remittances, and digital banking services.
• Build relationships with employers, business communities, professionals, and high-net-worth individuals to generate referrals and new business.
• Support payroll acquisition and relationship development initiatives in coordination with internal stakeholders.
• Conduct regular customer meetings, portfolio reviews, and relationship planning, and monitor portfolio health, balances, and profitability.
• Ensure timely resolution of customer concerns and work with the Customer Experience team to improve customer journeys and service touchpoints.
• Support business campaigns and strategic initiatives aimed at liability growth and customer acquisition.
• Ensure adherence to KYC, AML/CFT, SBP regulations, fair customer treatment, and internal governance requirements.
• Prepare portfolio reviews, business updates, and management reports, and mentor junior Relationship Managers where required.

Experience Required

• Minimum 8+ years of experience in branch banking, liability sales, relationship management, retail, priority, or wealth banking.
• Proven track record of CASA acquisition, deposit mobilization, and portfolio growth within banks, Islamic banks, digital banks, microfinance banks, DFIs, or other regulated financial institutions.
• Demonstrated experience in affluent and priority customer relationship management and payroll business development.
• Strong preference for candidates with branch banking experience; exposure to Islamic banking and digital banking will be an added advantage.

Educational Background Required

• Bachelor's degree in Business Administration, Finance, Banking, Economics, Marketing, or a related discipline.
• MBA or relevant postgraduate qualification preferred.

Skills & Competencies

• Liability Sales & Deposit Mobilization
• CASA Growth & Customer Acquisition
• Relationship & Portfolio Management
• Affluent & Priority Banking
• Payroll & Business Development
• Cross-Selling & Wealth Product Awareness
• Branch Banking Operations & Sales
• Negotiation, Influencing & Networking
• Customer-Centric Mindset & Results Orientation
• Regulatory, KYC/AML & Shariah 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