Saad Sheikh

Relationship Manager with over 15 years of extensive experience in UK and international banking, specialising in relationship-led growth, high-net-worth client management, deposits, lending, and wealth solutions. Proven track record in relationship management, delivering revenue growth, managing complex portfolios, driving strategic initiatives, and ensuring full compliance with FCA, AML, KYC, and Consumer Duty requirements. Recognised for strategic thinking, client advocacy, and mentoring colleagues.

Relationship Manager – Prestige Banking at HBL Bank UK Limited (2025-06 – Present)

• Lead and manage a portfolio of high-value clients, delivering sustainable growth in deposits, lending, and wealth products.
• Define and execute region-specific relationship management strategies aligned with the Bank's commercial objectives.
• Originate new high-value relationships through structured networking, referrals, and market intelligence.
• Own revenue, NTB, liabilities, and asset growth targets, consistently meeting or exceeding performance benchmarks.
• Oversee onboarding, complex KYC reviews, audits, and regulatory matters in line with FCA and AML expectations.
• Act as escalation point for complex client issues, ensuring swift resolution and exceptional client experience.
• Maintain Consumer Duty oversight, including vulnerable customer frameworks and governance reporting.
• Collaborate closely with senior management and credit committees on strategic and risk-based decisions.

Relationship Manager – Wealth Services at HBL Bank UK Limited (2023-12 – 2025-06)

• Managed and retained a High Net Worth client portfolio, delivering tailored wealth, lending, and deposit solutions.
• Led periodic client file, transaction, and suitability reviews based on risk profiling and regulatory guidance.
• Prepared, presented, and defended complex credit proposals for approval committees.
• Played a key advisory role to Branch Management, supporting operational efficiency and business strategy execution.

Relationship Officer / Customer Service Officer at HBL Bank UK Limited (2012-03 – 2023-12)

• Delivered end-to-end relationship management and premium service across retail and SME client segments.
• Supported branch-wide deposit mobilisation, credit origination, and portfolio reviews.
• Contributed to major bank-wide initiatives including Digital Banking Launch, Loan Book Stress Testing, Customer Remediation Projects, and Account Framework enhancements.
• Provided mentoring and functional cover to relationship and operations teams when required.

Customer Service Adviser / Deputy Team Manager at Santander Bank (2010-01 – 2012-03)

• Delivered comprehensive personal banking advisory services and first-stage complaint resolution.
• Acted as Team Manager cover, coaching staff, monitoring performance, and ensuring service standards.

Cashier & Branch Support at Habib Allied International Bank (2008 – 2010)

Customer Relations Officer at Telenor Pakistan (2006 – 2008)

Income Auditor at Pearl Continental Hotel (2003 – 2006)

Bachelor of Computer Science in Computer Science – Premier College

Intermediate in Computer Science in Computer Science – Govt. Islamia College