Relationship Officer – Salary / Pension

Job Purpose/Summary

Responsible for acquiring salary and pension customers and building a profitable portfolio by marketing the Bank’s salary and pension financing products. The role focuses on customer acquisition, developing relationships with employers and pensioners, facilitating financing applications, assessing repayment capacity, and ensuring portfolio quality in accordance with the Bank’s policies.

Job Responsibilities

• Identify and acquire salaried individuals and pensioners eligible for the Bank’s financing products.
• Develop relationships with government departments, private organizations, employers, and pension disbursement entities to generate business leads.
• Market and sell salary and pension financing products to achieve assigned business targets.
• Guide customers on product features, eligibility criteria, documentation, financing terms, and repayment schedules.
• Collect, verify, and process customer applications and supporting documents in accordance with the Bank’s policies.
• Verify employment status, salary or pension income, and repayment capacity through prescribed verification procedures.
• Coordinate with relevant departments to obtain approvals and facilitate timely financing disbursements.
• Monitor the assigned portfolio, follow up on overdue installments, and coordinate with Recovery for timely collections.
• Maintain accurate records and submit regular business development, disbursement, and portfolio reports.
• Ensure compliance with the Bank’s policies, KYC/AML requirements, internal controls, and applicable regulatory guidelines.
• Support deposit mobilization and cross-selling of relevant banking products, where applicable.
• Perform any other duties assigned by the line manager.

Skills and Competencies

• Strong sales, business development, and customer acquisition skills.
• Excellent communication, negotiation, and relationship management abilities.
• Ability to develop institutional relationships with employers and relevant organizations.
• Understanding of salary-based and pension-based financing, credit assessment, and documentation.
• Strong follow-up, analytical, and problem-solving skills.
• Target-oriented approach with the ability to work under pressure.
• High standards of integrity, customer service, and regulatory compliance.

Education and Experience

• Bachelor’s degree in Business Administration, Commerce, Finance, Banking, or a related discipline.
• 2–4 years of relevant banking experience, preferably in consumer lending, personal finance, salary financing, or pension financing.
• Experience in institutional sales, customer acquisition, and credit documentation will be an advantage.

Location

Swabi, Mardan, Charsadda, Nowshera, Peshawar, Kohat, Mingora, Matta, Batkhela, Timergara, Haripur, Abbottabad, Mansehra, and Balakot.