Relationship Manager

Develop the relationship strategy for the assigned branch / area of responsibility with due focus on the verification, collections and cross-sell.

• Manage the relationship process of the branch and help to achieve the following objectives through timely verification and collection :
• Loans : Volume size of Rs. 14 million per month.
• Maintain zero level of portfolio at risk (PAR) and ensure zero loss.
• Seek avenues for top-ups and cross-sell with the view to build revenue streams for the branch.
• Build and retain the highest level of motivation in the team to provide leadership to your relationship team so that each of its members is highly productive in his / her individual capacity. Each of the team members should be trained and assisted to assume his / her position as a first level of credit review that can correctly assess and verify the customer's income / demographics with the view to establish customer's need and credibility for the proposed loan.
• Undertake capacity planning to meet the assigned tangible objectives of loan volumes and zero default through effective and timely verification, collection and cross-sell.
• Organize and deploy your resources to match the business priorities in the branch and take the best return from each team member in terms of the assigned objectives.
• Co-ordinate with the operations department to ensure the timely disbursals of loans while retaining the integrity of the process and documents.
• Take ownership of collection in the branch and ensure zero portfolio at risk (PAR) and zero loss.
• Seek opportunities to support and build the branch base in deposits through active solicitation of existing relationship customers.
• Maintain MIS reports for verification, collections and cross-sell and provide to the MIS Coordinator as per policy.
• Support the branch service through positive relationships with customers and help build Tameer's image / reputation in the community / market.
• Watch the business risks in the branch and advise the branch manager on all matters related to it. Undertake self-assessment of your area and be ready for review / audits by internal / external auditors and SBP or other regulators.

Job Specification

Good knowledge of Microsoft Office

Good communication / presentation skills

Good leadership skills

Information Technology and Services - Karachi, Pakistan

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