Certificate of Deposit (COD) – Relationship Officer / Manager

Fulcrum Pvt Ltd is seeking a dedicated Certificate of Deposit (COD) Relationship Officer / Manager to join its team in Karachi, Pakistan. This role focuses on building and maintaining strong relationships with individual and corporate depositors to drive deposit mobilization and promote financial products effectively. The ideal candidate will have a minimum of three years of relevant experience in banking or financial services, expertise in client relationship management, and a solid understanding of financial product knowledge, compliance requirements, and market trends. This position involves managing a team of one person and requires a proactive, target-driven professional committed to delivering high levels of customer service and achieving business goals. The successful candidate will lead efforts in deposit generation through strategic client outreach, networking, and referrals, ensuring alignment with KYC and regulatory standards. This role demands excellent communication, negotiation, and presentation skills to explain product benefits and secure new deposits. Coordination with internal teams to facilitate client onboarding and service processes is essential. Candidates with backgrounds in deposit mobilization, liability sales, corporate banking, and financial product sales are especially encouraged to apply, as this role provides opportunities to grow within a dynamic banking environment and contribute meaningfully to the companys financial growth.
Responsibilities

Develop and nurture lasting relationships with individual and corporate depositors to foster trust and loyalty.
Generate new deposits by proactively engaging clients through calls, referrals, networking events, and direct visits.
Meet and exceed assigned deposit mobilization and business development targets consistently.
Explain Certificate of Deposit products, their rates, terms, and benefits clearly and persuasively to prospective clients.
Respond promptly and effectively to client inquiries to maintain high customer satisfaction and service quality.
Ensure timely and complete documentation of KYC and compliance paperwork in accordance with regulatory requirements.
Monitor market trends, competitor deposit rates, and evolving financial products to maintain competitive offerings.
Identify growth opportunities by analyzing existing client portfolios to increase deposit volumes through cross-selling.
Promote cross-selling of relevant financial products, including Auto Lease and Commercial Vehicle Finance, enhancing overall client value.
Coordinate closely with internal teams to ensure seamless onboarding, servicing, and management of client accounts.
Maintain accurate and up-to-date records of client interactions, transactions, and business activities.
Provide regular reports and insights on business performance and market conditions to senior management.
Lead and mentor a team of one, ensuring they meet performance standards and contribute to overall team objectives.

Skills

Client Relationship Management Financial Product Knowledge Deposit Mobilization KYC compliance Business Development Negotiation Communication Presentation Skills Market Analysis cross-selling financial products Team Leadership Client Onboarding

Job Details

Total Positions:

1 Post

Job Type:

Full Time/Permanent

Job Location:

Karachi, Pakistan

Gender:

Male

Minimum Experience:

3 Years

Apply Before:

Sep 21, 2026

Posting Date:

Aug 20, 2026

Fulcrum Pvt Ltd

· 51-100 employees - Karachi

Fulcrum is an ISO 9001-2008 certified Business Consulting Services Company. We offer customers the following services (Human Capital Development and Management Solutions, Business Process Outsourcing, Executive Search, Training and Development and Information Technology) which encompass continuum of essential business services to meet their needs throughout the business cycle and help organizations focus on their strategic initiative.