🔥 Experience Level: Senior (8–10 Years)

🌟 Role Overview

Step into a growth-driving role where relationship-building meets smart lending strategy. As a Senior Relationship Manager – Retail Lending, you’ll be the bridge between customers and opportunity—fueling portfolio growth, managing credit risk, and delivering top-tier banking experiences.

🚀 Key Responsibilities

Business Development & Credit Initiation

• Drive business growth by identifying and onboarding new retail lending prospects
• Master and promote all Retail Lending products, pricing, and service features
• Structure and negotiate credit facilities tailored to customer needs while optimizing bank returns
• Prepare and coordinate quality credit proposals with Credit Factory
• Conduct in-depth analysis of financials, market position, and collateral
• Achieve assigned product and portfolio growth targets
• Build strong client relationships through regular visits and engagement
• Identify and capitalize on cross-selling opportunities

Data Analysis & Documentation

• Review client financial statements, credit history, and account behavior
• Collect and verify all pre & post-approval documentation
• Act as a liaison between customers and Credit Factory throughout the approval cycle
• Continuously assess and escalate operational and credit risks

Compliance & Risk Management

• Ensure strict adherence to KYC / AML and regulatory policies
• Monitor portfolio risk and ensure proper utilization of credit facilities
• Stay updated with State Bank of Pakistan regulations
• Track account performance and flag early warning signals
• Maintain strong portfolio hygiene including renewals, documentation, and reporting
• Ensure timely recovery of dues, markup, and commissions

Customer Experience Excellence

• Deliver high-quality service to both new and existing clients
• Continuously improve customer satisfaction levels
• Collaborate with internal teams (Branch Network, Risk, CAD, etc.) to enhance turnaround time (TAT)

🎓 Eligibility Criteria

Education:

• Bachelor’s degree (preferably in Finance or related discipline)

Experience:

• 8–10 years of relevant experience in Retail Lending / Banking

📢 Why Join HBL?

Join one of Pakistan’s leading banks where ambition meets opportunity. At HBL, you don’t just manage relationships—you build financial futures.

👉 Apply Now

Ready to elevate your banking career? Submit your application before the deadline and be part of a high-performance team at HBL.