Rahim Hafiz

Relationship Manager (Retail & SME)

Victoria Commercial Bank Ltd

09.2016 - 07.2022

Account management: Proactively managed a diverse portfolio of SME and retail lending accounts valued in the multimillion range, spanning various industries including Real Estate, Business Services, and Information Technology.
Business Review: Conducted in-depth visits to existing and prospective clients to gain a clear understanding of their business models, ensuring credit facilities were tailored to meet their operational and strategic needs. Prepared detailed call reports for each client engagement to support informed credit decisions and maintain client records.
Bank Targets: Played a key role in growing the bank’s asset base and non-funded income through SME lending initiatives. Assigned and followed up on monthly lead targets, contributing to consistent achievement of performance goals
Contractual Documents: Oversaw the execution of credit and legal documents in accordance with agreed terms, ensuring accurate preparation and timely delivery of finalized deals.
Branch Coordination: Collaborated with branch managers to introduce and present high-value clients with new banking products, contributing to overall portfolio growth.
Customer Service: Fostered a high-performance culture focused on delivering professional and high-quality service. Actively monitored and resolved customer complaints, ensuring prompt and satisfactory resolution, including personal follow-up where necessary.
New Accounts: Generated approximately 40% of new leads through customer referrals, leading to a 15% increase in CASA.
Credit Risk: Closely monitored key accounts to ensure operations remained within approved credit limits, significantly reducing default risk by 45%. Conducted weekly follow-ups on accounts requiring heightened oversight to minimize potential exposure.
Marketing and Cross-Selling: Increased client wallet share by 35% through effective cross-selling strategies tailored to clients’ business needs, boosting overall profitability by 40%.
Credit Turnover: Achieved a 70% increase in credit turnover, largely driven by adoption of the Remote Cheque Capture service, which clients found highly convenient and efficient for cash flow management.
Risk and Compliance: Conducted comprehensive Customer Due Diligence (CDD) and Know Your Customer (KYC) processes during account onboarding and routine reviews, ensuring full regulatory compliance.