Managing credit card and personal loan sales , Also manage team MTD GROWTH OF CREDIT CARD AND PERSONAL LOANCREDIT CARD ALLIANCESHIRING OF TEAM

Responsible for Deposit Mobilization targets as set by management
Responsible for managing the COF of their respective portfolios
To solicit / increase new relationships and strengthen the existing ones on a monthly basis
To ensure that CVR and KYC processes are followed diligently at account opening and account maintenance stages with in prescribed TATs
To ensure credit discrepancies, revisions and mark-up recoveries to be resolved with in TAT
To ensure that there is no loss impact to preferred portfolio as a result of transactional flaws.
Build close relationships with all the relevant departments within the branch, in order to maintain and achieve
Responsible for cross sell targets set by the management
Cross sell of Credit card , bancassuarnce ,personal loan ,deposit mobilizations and auto loan

Responsible for Deposit Mobilization targets as set by management
Responsible for managing the COF of their respective portfolios
To solicit / increase new relationships and strengthen the existing ones on a monthly basis
To ensure that CVR and KYC processes are followed diligently at account opening and account maintenance stages with in prescribed TATs
To ensure credit discrepancies, revisions and mark-up recoveries to be resolved with in TAT
To ensure that there is no loss impact to preferred portfolio as a result of transactional flaws.
Build close relationships with all the relevant departments within the branch, in order to maintain and achieve
To manage the team by conducting daily briefs and D-briefs, and monitoring the RO Planners on a daily basis.
To play an part in the training and development of the RO team
To counsel and guide RO and groom them for career developement.
To ensure that high service standards is maintained for all clients.
To ensure that problem resolution is at 99% with 2 days TAT
To visit and follow up with new relationships after one month to ensure continuity in relationships
Manage 200 Million portfolio.

Search, identify & conduct daily sales calls for financial planning sessions with religious organizations
Acquire customers and generate the targeted amount of premium – Deliver Complete Product Information to Customers
Monitor & fulfill prospect and customer leads provided by the company for new business or cross sell opportunity
Cross sell and upsell products to existing customers & build portfolios
Manage the relationship with customers to ensure persistency & renewals.

Complaint Handling after launching complaints in CMS system and close them in collaboration of complaint management unit.
Making Phone Banking Service levels Dashboard/KPIs and cross sells report.
Conducting interviews for phone banking officers.
Conducting in-house training session for new hired candidates for Call center products training.
Assisting in the development of Phone Banking SOP/Policies.
Handling phone banking operations and creating user IDs.
Staff supervision & management and vendor’s coordination.
Supervising Inter Bank Funds Transfer (IBFT) and call center financial transaction payments.

To negotiate & co-ordinate with the recovery officers & clients regarding settlement of their defaulted accounts
To visit highly delinquent, charged off/written off accounts for recovery process
To complete the documentation for the settlement approval as per bank policy
To interact with the branches for the execution of right of set off policy, following the procedures and guidelines
To achieve the recovery targets given on monthly basis, while maintaining financial disciplines
To co-ordinate and respond to customers regarding queries/complaints relating settlements
To ensure vigilance and adherence through SBP Fair Debt Collection Guidelines and bank policies as well
To process the cases for litigation and liaison with law enforcement departments and lawyers as well as clients during the process of litigation
To prepare M.I.S. reports relating to conventional/legal recovery cases and other computer generated work