• Responsible to achieve the assigned sale targets as well as increase the footprints of distribution network.
• Responsible to achieve the targets by implementing marketing and sale strategies on retail market in the entire zone.
• Achieve marketing and sales objectives by planning, developing, implementing the strategies.
• Identifies marketing opportunities by identifying consumer requirements; defining market, competitor's share, and competitor's strengths and weaknesses; and plan accordingly.
• Protects organization's value by keeping information confidential.
• Liaison with others stake holders for smooth transitions.

• Responsible to increase the footprints of retail network as per assigned targets with in the available resources in the entire zone.
• Monitoring the field activities of the staff and engaging them with the aligned tasks.
• Supervision of daily activities of the BDE’s, reviewing reports, queries and ongoing tasks.
• Manage the implementation of business guidelines and strategies, working with other department heads/managers to ensure everything runs smoothly and ensure to meet agreed targets with prevailing guidelines.
• On-Site Visits of retail network in the entire region for their credit reviews to ensure efficacy of Service standards as per SOP.
• Coordination with the all stake holders on day to day channel related issues.

• Perform market research to increase the footprints of retail network as per assigned targets and conduct due diligence to mitigate the financial risks.
• Draft regions visit planners for agent onboarding, sale targets, agent education & monitoring.
• Liaison and Follow-up with the teams (PMCL & MMBL) to meet the assigned targets.
• On-Site Visits of retailers and Franchise network for their credit reviews to ensure efficacy of Service standards as per SOP.
• Work as a preemptive measure to control the compliance risk inherent in the branchless banking operations.
• Responsible for continuous assistance, supervision and Staffing of regional Teams.
• Any other duties as assigned by the Manager and Head of the department.

• Ensure strict compliance over branch on Bank policy, laws and procedures.
• Cash flow assessment, application review, credit scoring and application processing.
• Disseminating policy knowledge amongst other branch team members to reduce rejection.
• Document verification and pre-disbursement loan verification.
• Responsible for adequacy and timeliness of monthly credit reports.
• MIS back up maintenance.

• Identify new target markets.
• Product canvassing and sales, loan booking and account document processing.
• Field-based client servicing and problem resolution.
• Proactive collection perusal, payments handling and negotiation directly or through other
Elements included in KB’s distribution channel.
• Portfolio and account level review, problem preemption/identification, and reporting.
• Adopting KYC approach essentially to prevent portfolio erosion and ensure regulatory Policy and procedural compliance to contribute towards better risk ratings.

1.Investigate the Fraud cases.
2.Dealt with “Wafaqi Mohtesib”.
3.Handle Local Complaints against Staff.