Head Liability Management - Karachi

Graduate preferably B.Com / Postgraduate degree preferably in Business / Banking or equivalent from an HEC
recognized university. Minimum 12-15 years of experience in financial institution or related sectors, of which 5-8
years should have been in senior management roles.

SKILL SET REQUIREMENT

Post requires an extensive knowledge of SBP prudential regulations and other regulatory requirements,
conversant with Bank’s environment of best practices & market norm of Business Development, proven track
record of driving business strategies. Customer centric with extensive experience in Liabilities, Portfolio
Management, Alliances & Sales Management with hands on experience of managing liability portfolio in a
Commercial Bank.

Main Duties & Responsibilities:

 Implementation of strategies in line with the Bank’s parent vision.

 Developing the sales strategy for incremental revenues for the bank.
 Responsible for sales management & Product development to improve product suite.
 Responsible for Liabilities Business Growth (CASA) and Banca Business across all branches in Pakistan
through Business team & BDO.
 Developing the sales strategy for incremental revenues for the bank
 Develop a Business Development & Liability Generation Plan for the bank. Ensure that the plan meets the
expectations of the stakeholders.
 Develop and execute Business Policies & Strategies covering all activities related to the Branch Network,
including branch rationalization. Enhance market penetration and ensure effective & efficient management
of branch network.
 Venturing new Avenues for Employee Banking to increase CASA accounts.
 Ensure measurable growth to the Balance Sheet of the Bank & its profitability through staff rationalization,
product development, automation and quality customer service.
 Devise & execute long-term & short-term Commercial & Retail Business goals and set-up commensurate
Key Performance Indicators.
 Ensure branch profitability and asses the future needs of branchless banking and launch of paperless
environment. Put in place measurable goals for branches and service KPIs.
 Build relationship and leaders across the organization to understand issues and identify areas for
improvement for the organization develop a team to carry out the business functions effectively and ensure
effective management of the staff and direct reports.
 Develop product programs and propose policy parameters essential to carry out the new liability business
initiatives for approval of competent authority.
 Maintain duly authenticated Key MIS up to date at all times and escalate any significant deviations there off
to maintain the portfolio quality up to the mark.
 Daily / Weekly sessions on business momentum and target achievement with Sales Team, Team Leaders
and Area Managers for Deepening, New-to-Bank and CF Business drive
 Effectively monitoring and engagement with Liability team to maximize the business potential in NTB &
Consumer Finance Business Segments
 Effectively pursue and drive Team Leaders & Area Managers to capture clients in the branch vicinity
 Conduct monthly comprehensive reviews with the Team Managers to systematically analyze performance to
ensure that the implemented strategy is in line with the laid down objectives
 Active engagement with Branch front-line staff on a periodic basis to have business momentum in line with
the assigned targets
 Inculcate the cross-sell culture among the Branches of Area with the objective to have Multiple Product
Sales Model comprising of Deposits, Banc assurance, Consumer Finance & ADC.
 Initiate sales strategies and action plans for branches to increase sales and product holdings.
 Engage with the Stakeholders to have a smooth / flawless Business Proposition for the Branch Distribution
Network.
 Responsible for managing and leading the external sales force for the area branches
 Responsible for identifying new business opportunities
 Management of Cost of Fund keeping in view the Interest Rate Scenario and Bank’s Strategic view.
 Periodic analysis of associated cost components and devise strategies to control the cost environment
keeping in view the inflationary challenges.
 Having regular sessions with Area Managers to bring a focused approach towards controlling variable cost
components.
 Adhere to work flows and procedures
 Conceptualize and implement service initiatives.
 Periodically monitor service delivery in the Branches and to ensure highest competitive standards.
 Monitoring of Branch Upkeep along with GSD, to have better customer experience among the Branches of
Area.