Senior Relationship Manager

We are looking for a Senior Relationship Manager to join our Retail Banking team. The ideal candidate will be a results-oriented professional focused on driving liability growth, customer acquisition, and deepening relationships within the bank’s retail, affluent, and payroll customer segments. This role involves managing a portfolio of high-value clients, mobilizing CASA deposits, expanding wallet share, and developing new business through employer, professional, and community networks. Delivering exceptional Shariah-compliant customer service while maintaining strong regulatory and conduct standards is essential.

Key Responsibilities

- Acquire and manage high-value retail, affluent, and liability-focused customer relationships to meet deposit, acquisition, and portfolio growth targets.
- Drive CASA growth by acquiring individual, affluent, and payroll customers.
- Develop and implement customer acquisition strategies within assigned market segments to build and convert a strong deposit pipeline.
- Deepen existing customer relationships to increase balances, retention, wallet share, and overall profitability.
- Cross-sell banking products including deposits, cards, wealth management solutions, remittances, and digital banking services.
- Establish and nurture relationships with employers, business communities, professionals, and high-net-worth individuals to generate referrals and new business opportunities.
- Collaborate with internal teams to support payroll acquisition and relationship development initiatives.
- Conduct regular customer meetings, portfolio reviews, and relationship planning while monitoring portfolio health, balances, and profitability.
- Ensure timely resolution of customer concerns and work alongside the Customer Experience team to enhance customer journeys and service touchpoints.
- Support business campaigns and strategic initiatives focused on liability growth and customer acquisition.
- Maintain strict adherence to KYC, AML/CFT, SBP regulations, fair customer treatment, and internal governance policies.
- Prepare portfolio reviews, business updates, and management reports; mentor junior Relationship Managers as needed.

Required Qualifications

- Minimum of 8 years’ experience in branch banking, liability sales, relationship management, retail, priority, or wealth banking.
- Proven success in CASA acquisition, deposit mobilization, and portfolio growth within banks, Islamic banks, digital banks, microfinance banks, DFIs, or other regulated financial institutions.
- Demonstrated expertise in managing affluent and priority customer relationships and developing payroll business.
- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Marketing, or a related field.

Preferred Qualifications and Additional Skills

- MBA or relevant postgraduate qualification is preferred.
- Experience in branch banking is strongly preferred; exposure to Islamic banking and digital banking is an advantage.
- Strong skills in liability sales, deposit mobilization, CASA growth, and customer acquisition.
- Proficient in relationship and portfolio management, affluent and priority banking, payroll and business development.
- Ability to cross-sell wealth products and banking services effectively.
- Solid understanding of branch banking operations and sales processes.
- Excellent negotiation, influencing, and networking abilities.
- Customer-centric mindset with a strong results orientation.
- Awareness of regulatory requirements, KYC/AML procedures, and Shariah compliance.

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

Application Deadline: October 28, 2026