Riaz Ahmed
KARACHI CENTRAL
Summary
Relationship Manager with extensive experience at Habib Bank, specializing in client portfolio growth and sales performance. Demonstrated ability to enhance client satisfaction through strategic relationship management and effective communication. Proven track record of achieving sales targets while ensuring compliance and fostering teamwork. Strong administrative and public relations background, dedicated to driving business objectives and improving client relationships. Results-driven Relationship Manager with a proven track record of expanding high-value client portfolios. Adept in effective communication and administrative proficiency, ensuring client satisfaction and regulatory compliance.
Overview
16
16
years of professional experience
Work History
Relationship Manager
Habib Bank
Karachi
09.2025 - Current
- Managed and expanded a portfolio of high-value clients, ensuring financial needs were met.
- Promoted and sold bank products such as loans, investments, and insurance to achieve sales targets.
- Served as primary contact for clients, addressing inquiries and resolving complaints promptly.
- Facilitated loan applications and credit approvals, conducting due diligence and assessing creditworthiness.
- Ensured compliance with regulatory guidelines and internal documentation standards during client transactions.
- Collaborated with internal departments to deliver efficient service and execute client requests seamlessly.
Relationship Officer credit card dept..
Bank Alfalah
Karachi
04.2021 - 08.2025
- Achieved targets for logins, approvals, approval rates, and cross-sell initiatives.
- Supported branches in resolving credit card inquiries and challenges.
- Promoted value-added services to enhance business operations.
- Engaged potential customers for effective credit card solicitation.
- Delivered customer feedback to departments for service improvement.
- Addressed client inquiries about card-related issues across multiple channels.
- Maintained accurate records daily to monitor monthly credit card metrics.
- Adhered to policies and procedures when processing card applications.
Bulls & Bulls Contractual Staff
Bank Alfalah
Karachi
11.2017 - 04.2021
- Reviewing sales performance.
- Aiming to achieve monthly or annual targets.
- I answered customer questions about products.
- Achievement of assigned, approved cards per month.
- Ensure that quality customer service is delivered.
- Coordinated with branch sales officers to enhance sales.
- Documented all customer inquiries and comments thoroughly and quickly.
- Where we stood for the month on credit cards.
- Ensuring the right card is sold to the right client, with a proper explanation of features and offers at the time of sale, will ensure card activation as per product requirements within three months of card issuance.
Fulcrum Contractual Staff
Faysal Bank
Karachi
11.2015 - 10.2017
- Working on standardizing the quality of customer service provided in the section for all customers at any time.
- Closely observing, guiding, and leading customer care in the section.
- Ensuring that the sales staff promotes maximum sales by establishing customer needs, explaining features and benefits, overcoming objections, and providing high-quality customer service.
- Implementing, driving, and achieving the departmental targets.
- Responsible for maximizing sales and achieving the section's business objectives.
- Dealing with any customer service problem is a major concern.
- The manager provides training on sales skills, product selling, and operations at the point of sale.
Data Runner Contractual Staff
Faysal Bank
Karachi
12.2011 - 01.2014
- Dealing with any customer service problem is a major concern. Closely observing, guiding, and leading customer care in the section.
- Implementing, driving, and achieving the departmental targets.
- Responsible for maximizing sales and achieving the section's business objectives. Ensuring that the sales staff promotes maximum sales by establishing customer needs, explaining features and benefits, overcoming objections, and providing high-quality customer service.
- The manager provides training on sales skills, product selling, and operations at the point of sale.
- CEIB Check and DBR Calculation.
People Contractual Staff
Silk Bank
Karachi
03.2011 - 12.2011
- Lead generation of customers and closure by tele-calling, e-mailing, and direct mailing, and tapping walk-ins wherever possible.
- Checking eligibility, and explaining features and pricing are required for getting the application picked, either physically or through digital mode.
- Tracking business is picked for timely submission and processing.
- The application should be completed in line with the policy guidelines, and once completed, it should be picked up from the client and submitted to the processing unit daily.
- Update job knowledge on types of loans, and other financial services.
- Justify decisions (approvals/rejections), and report on them.
- Assess customer needs, explore all options, and introduce different types of loans.
People Contractual Staff
Habib Bank
Karachi
04.2010 - 01.2011
- Engaged customers visiting physical office by delivering information and guiding sales processes.
- Explained pricing structures transparently, detailing applicable fees and payment options.
- Assisted customers in completing application processes using physical paperwork.
- Established priorities and operated independently within a structured, pleasant environment.
- Exercised sound judgment based on customer inquiries to provide effective solutions.
- Delivered high-quality service to both internal and external customers.
Education
Master’s - Business Economics
University of Sindh
SINDH.PAKISTANBachelor of Commerce - Banking and Finance
University of Sindh
SINDH.PAKISTANDiploma of Commerce - Commerce
Board of Technical Education Karachi
KARACHI,PAKISTANMatriculation sciences - Computer And Information Sciences
Board of Secondary Education Karachi
KARACHI,PAKISTANSkills
- Administrative proficiency
- Public relations expertise
- Team collaboration
- Leadership qualities
- Effective communication
- Microsoft Office suite
- Interpersonal skills
- Employee mentoring
- Strong teamwork
Timeline
Relationship Manager
Habib Bank
09.2025 - Current
Relationship Officer credit card dept..
Bank Alfalah
04.2021 - 08.2025
Bulls & Bulls Contractual Staff
Bank Alfalah
11.2017 - 04.2021
Fulcrum Contractual Staff
Faysal Bank
11.2015 - 10.2017
Data Runner Contractual Staff
Faysal Bank
12.2011 - 01.2014
People Contractual Staff
Silk Bank
03.2011 - 12.2011
People Contractual Staff
Habib Bank
04.2010 - 01.2011
Master’s - Business Economics
University of Sindh
Bachelor of Commerce - Banking and Finance
University of Sindh
Diploma of Commerce - Commerce
Board of Technical Education Karachi
Matriculation sciences - Computer And Information Sciences
Board of Secondary Education Karachi
Languages known
English,Urdu
Certification
Certificate of Appreciation for Winning the President's Cup, 2021, and 2022. Bank Alfalah.
Certificate of Appreciation for Outstanding Performance, October 2021, Bank Alfalah.
Retail Banking Group Award H-1 2025, Bank Alfalah.
Reference
Reference will be provided upon request
Personal Profile
- Date of birth: 08-12-1985
- Nationality Pakistani
- Passport # LH1165392
- Religion Islam
- Marital status: married
Languages known
English,Urdu
Reference
Reference will be provided upon request