Manager - NeoBiz Portfolio (Mashreq Global Network Pakistan)

Job Purpose:

• Manage a set of existing NEOBiz relationships acquired digitally.
• To achieve assigned financial and non-financial objectives by meeting all non-borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).
• Actively manage all NEOBiz customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships acquired digitally identified as potential for Liability balances as well as for FX & Trade products & relationships upgraded by Campaign Callers & Digital activation initiatives using defined customer on-boarding procedure.
• Constantly identify opportunities by identifying customer's needs & profiling.
• Responsible for quality & soundness of assigned NEOBiz portfolio (KYC reviews, monitoring for due diligence, anti-money laundering procedures etc).

Key Result Areas:

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of non-borrowing accounts by cross-selling complete range of banking products.
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Conduct annual/periodic reviews in the existing portfolio in a timely manner and recommend customers for downgrades/ upgrades.
• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various compliance related issues.
• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, informal market feedback to monitor the assigned portfolio effectively.
• Maintain acceptable portfolio quality.
• Identify group relationships from the existing portfolio not holding Mashreq account & provide referral to the digital onboarding team.
• Liaise between internal and external advisors to ensure precision of agreements.
• Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.
• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
• Achieve assigned financial and non financial targets.
• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
• Update Team manager and Area Manager Platform on regular / weekly basis for better controls on sales and relationship management.
• Regularly upgrade/downgrade existing customers from Campaign Calling team as well as Digital activation initiatives by offering need based solution as per client's profile & requirements.

Knowledge, Skills, and Experience

• University Graduate (preferably with some finance/banking or maths component).
• Excellent knowledge of business banking products – FX, Trade, Insurance & investments
• Minimum 4-5 years of experience in business banking as RM/VRM in Pakistan.
• Excellent communication skills ( Oral and written)
• Very customer focused
• Computer literate
• As per the organization competency framework