Relationship Manager branch banking

United Bank Limited (UBL) is a premier commercial bank in Pakistan with a rich heritage dating back to 1959. Renowned for its commitment to service, innovation, and financial excellence, UBL operates one of the largest branch networks in the country. The bank’s digital banking services have earned multiple local and international awards, reflecting its dedication to providing cutting-edge financial solutions. As a subsidiary of the Bestway Group and listed on the London Stock Exchange through Global Depository Receipts, UBL enjoys strong financial backing and a broad geographic presence both within Pakistan and internationally. The bank is rated ‘AAA/A-1+’ by VIS Credit Rating Company Ltd. and strives to be the leading, fastest-growing, and most innovative financial institution in its markets, focusing on customers, stakeholders, employees, and communities.

The Relationship Manager – Branch Banking position is a full-time, on-site role based in Karachi. This role involves managing and expanding a portfolio of branch customers by fostering long-term relationships, understanding their financial needs, and recommending suitable banking products and services. The incumbent will be responsible for onboarding new customers, cross-selling retail banking products such as deposits, loans, and cards, and efficiently handling routine service requests. Resolving customer issues promptly and professionally is also a key part of the daily responsibilities.

Key Responsibilities
- Build and maintain strong relationships with branch customers to ensure customer satisfaction and loyalty.
- Achieve sales and service targets by promoting retail banking products, including accounts, deposits, loans, credit cards, and digital banking solutions.
- Collaborate closely with branch staff to deliver a superior customer experience and meet compliance requirements.
- Conduct regular follow-ups with existing and prospective clients to identify new business opportunities within the branch’s catchment area.
- Ensure accurate documentation of all customer interactions and transactions in line with bank policies and regulatory standards.
- Support compliance with internal policies, including Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
- Assist customers in adopting and utilizing digital banking platforms to enhance their banking experience.

Required Qualifications
- Proven skills in customer relationship management and client servicing, with the ability to build trust and maintain long-term partnerships.
- Strong sales, cross-selling, and business development capabilities focused on retail banking products.
- Excellent communication, negotiation, and interpersonal skills, with proficiency in both English and Urdu for clear verbal and written communication.
- Analytical and problem-solving abilities to assess customer financial needs and recommend appropriate solutions while managing risk.
- High attention to detail with strong documentation skills and strict adherence to compliance and regulatory requirements.
- Comfortable working with core banking systems and digital tools, with the ability to guide customers in using online and mobile banking services.
- Bachelor’s degree in Business, Finance, Economics, Commerce, or a related field is mandatory.

Preferred Qualifications and Benefits
- A relevant master’s degree or professional certification in banking or finance is advantageous.
- Opportunity to work with one of Pakistan’s leading banks, supported by a strong multinational group.
- Exposure to a dynamic work environment focused on innovation, growth, and customer-centric service.

This role offers a chance to contribute to UBL’s vision of becoming the undisputed leader in financial services while developing a rewarding career in branch banking.