Job Description

🔥 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.