Head of Sales & Distribution – Digital Banking

Fulcrum’s client, a leading institution in the banking industry based in Karachi, is seeking a seasoned senior professional to lead their Sales & Distribution function. This role focuses primarily on Direct Sales and Tele Sales to drive customer acquisition and business growth. The successful candidate will be responsible for managing Retail Banking Assets and Liabilities, enhancing digital customer onboarding processes, and achieving sales targets aligned with the bank’s Islamic Digital Banking strategy. Reporting directly to the Head of Business, this position holds the grade of Senior Vice President (SVP) within the Business department.

Key Responsibilities

- Develop and implement effective sales strategies aimed at acquiring and expanding the Retail Banking customer base across both assets and liabilities.
- Lead and grow Direct Sales and Tele Sales teams to meet and exceed customer acquisition, revenue, and overall business growth objectives.
- Monitor sales pipelines, conversion rates, channel productivity, and performance metrics to ensure alignment with business goals.
- Partner with Human Resources to recruit, train, and nurture high-performing sales teams capable of delivering sustained results.
- Enhance Digital Sales initiatives, Employee Banking programs, and other customer acquisition channels to broaden market penetration.
- Regularly review sales performance data, prepare comprehensive reports, and identify opportunities to increase sales effectiveness and profitability.
- Ensure all sales activities comply with relevant banking regulations, risk management protocols, and internal policies.
- Collaborate with internal departments and external stakeholders to improve customer experience and support the achievement of strategic business objectives.

Required Qualifications

- Master’s degree in Finance, Economics, Business Administration, or a closely related field.
- Over 15 years of experience in financial services, with a strong emphasis on Sales Management.
- Demonstrated leadership in Direct Sales and Tele Sales, preferably within the Retail Banking sector.
- Proven success in customer acquisition, consistently meeting or surpassing sales targets, and managing large sales teams effectively.

This role offers the opportunity to lead a critical function within a dynamic banking environment focused on digital innovation and customer-centric growth. The ideal candidate will combine deep industry knowledge with strong leadership skills to drive the bank’s strategic vision forward.