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 liability management roles.


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.
  • 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.


Site last updated May 21, 2019 @ 7:12 am