Abdul Samad

Results-driven banking professional with experience in relationship management, bancassurance, retail banking, customer service, portfolio management, cross-selling, and compliance. Proven ability to identify customer needs, recommend suitable financial solutions, develop long-term client relationships, and contribute to business growth. Strong exposure to customer onboarding, risk and compliance, digital activation, VAS, and non-fund income generation.

Recognized for consistent sales performance and customer retention in fast-paced banking environments.

OG-II — Banca Assurance & Relationship Officer - FAYSAL BANK LIMITED - Karachi

(2020-01)

• Manage banking and insurance product portfolios while providing customer-focused financial solutions aligned with individual needs.
• Build and maintain strong client relationships through proactive engagement, follow-ups, and personalized service.
• Conduct customer needs analysis and recommend appropriate bancassurance solutions while maintaining regulatory and internal policy requirements.
• Drive business growth through cross-selling, upselling, relationship management, VAS, and non-fund income initiatives.
• Monitor risk and compliance requirements associated with bancassurance activities and support timely issue resolution.
• Collaborate with branch and cross-functional teams to improve customer onboarding and overall retail banking service delivery.
• Support customer retention by understanding client requirements and delivering relevant financial solutions.
• Achieved an average of 130% of assigned targets across the bancassurance portfolio.
• Maintained 90%+ client retention through relationship management and personalized solutions.
• Contributed to an onboarding initiative that reduced customer waiting time by 25%.
• Applied structured needs-analysis techniques that increased upselling opportunities by 40%.
• Consistently ranked among the top 5% of branch staff for revenue generation over the past three years.

Customer Service Representative - UNITED BANK LIMITED via HRSG - Karachi

(2019-06 - 2020-01)

• Assisted customers with banking products, services, account-related requirements, and general financial information.
• Maintained accurate customer records and updated information in accordance with data protection requirements.
• Coordinated with risk and compliance teams to ensure customer interactions followed applicable regulatory standards.
• Supported wealth management advisors by gathering customer information and facilitating client appointments.
• Handled customer inquiries and complaints professionally to improve satisfaction and retention.

B.Com - University of Karachi (2021-08 - 2025-08)

Intermediate - Bahria College (2016-06 - 2018-09)

Matriculation - Amma Foundation School (2015-08 - 2016-07)