Relationship Manager

We are looking for a proactive and customer-oriented Relationship Manager to join our Retail Banking team. The ideal candidate will be responsible for acquiring and managing high-value retail customers, affluent individuals, salaried professionals, and liability-focused segments. This role focuses on driving deposit growth, increasing customer balances, and expanding product adoption through a consultative and relationship-driven approach. The successful candidate will deliver exceptional customer experiences while supporting the bank’s business objectives.

Key Responsibilities

- Acquire new liability customers to contribute to the growth of the bank’s deposit portfolio.
- Manage and deepen relationships within assigned retail and affluent customer portfolios.
- Achieve targets related to CASA, term deposits, and funded customer acquisition.
- Identify customer needs and recommend suitable banking products and solutions.
- Proactively engage customers to grow balances and enhance portfolio value.
- Cross-sell retail banking products such as cards, wealth solutions, remittances, and digital banking services.
- 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.
- Collaborate closely with Product, Performance & Growth, Distribution, and Customer Experience teams to support business goals.
- 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 standards.

Required Qualifications

- 4 to 7 years of relevant banking experience in Liability Sales, Relationship Management, Retail Banking, Priority Banking, Wealth Banking, or Deposit Mobilization.
- Proven track record in liability sales, preferably with branch banking experience in banks, Islamic banks, digital banks, DFIs, MFBs, or other financial institutions.
- Demonstrated ability in customer acquisition, deposit growth, and portfolio management.
- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Marketing, or a related field.

Skills and Competencies

- Expertise in Liability Sales and Deposit Mobilization
- Strong Relationship Management and Customer Acquisition skills
- Knowledge of CASA growth strategies and customer portfolio management
- Ability to cross-sell and upsell banking products effectively
- Awareness of wealth and investment products
- Commitment to customer service excellence
- Business development and stakeholder management capabilities
- Understanding of regulatory and compliance requirements

Raqami Bank is an equal opportunity employer committed to creating an inclusive workplace. We encourage applications from all qualified individuals, including Persons with Disabilities (PWDs), ensuring equal opportunities for success.

Application Deadline: October 28, 2026