Job Summary:
• Manage assigned portfolio with a view to deliver the highest level of customer service thus deepening existing relationships and capitalizing on cross sell opportunities in order to achieve assigned sale target.

Sales Management:
• Increase sales of products through deepening and cross sell such as Bancaassurance , Customer products and alternative distribution products as assigned by management from time to time.
• Increase compliant liabilities with positive margins of existing and new customers.
• Maintain good relationships with existing customers and deepen existing relationships through regular customer contacts.
• Service bank customers as well as walk-ins within agreed service standards.
• Register all customer complaints as per bank’s guidelines and effectively provide resolution in consultation with concerned stakeholders.

Cost of Fund Management:
• Work closely with Branch Manager in order to maximize profitability by improving the CASA deposit base, managing and streaming high cost deposits towards treasury and other beneficial investments.
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Regulatory Framework:
• Comply with policy, procedures and regulatory requirements with regards to account opening and account closing.
• Monitoring of transaction volumes in customer accounts and ensure 100% accuracy on updating risk classification in accordance with KYC parameters.
• Constantly review internal and prudential KYC and AML requirements with a view to remain updated on any revisions.

Customer Experience in the Branch:
• To manage the branch floor, and ensure customers are being serviced in a timely and orderly manner.
• Ensuring high level of customer satisfaction by meticulously attending to customer queries and answering phone calls/written communication according to the defined SOP of the bank.
• Conduct Call Back Confirmations (CBC) as per defined SOP / Guidelines.
• Process customers request for Term Deposit / Waiver of Charges / Call Deposits / D to A

As Business Development Officer
• Was responsible for successfully aligning bank’s objectives with customer’s goals.
• Meets & exceeds sales volume targets within specific time frame.
• Manages & monitors portfolio attrition.
• To maximize the sale of Bank’s retail products/services and to meet specific sales targets, agreed from time to time.
• To generate business through local sales promotion: outdoor marketing calls to potential individual customers for mobilizing the deposits through NTB’s
• To be fully conversant and up to date in the banking products and market knowledge and to have knowledge of the various products offered by bank.
• To co-ordinate the sales efforts of sales staff.
• To open and update customer’s accounts, as part of service within time frames agreed from time to time.
• Provide updates to supervisors & management daily on performance & market realities.
• Ensure adherence to all regulatory & legal requirements set by SBP & SONERI BANK.
• Acquire new customers, Retain current customers and Sell more to current customers.
• Ensure all customer records are kept confidential& are protected.
• Ensure KYC compliant customers are solicited.
• To ensure that KYC & AML is understood and followed at all times.
• To ensure performance as per ESAU.
• Compliance to policies, standards and regulations.
• Explore the market for identifying new business opportunities.

Achievements:
• Have contributed around 90 Millions of Deposit, 1 Million Bancassurance, Introduce more than 400 NTB,s, 8 cases of speed finance during service at SBL.
• Remain Top Performer of Faisalabad Region during 2015 got Shield and Certificate of appreciation.