General Banking Officer

A General Banking Officer at Mobilink Microfinance Bank Ltd. (MMBL) plays a vital role in delivering efficient customer service and managing various banking operations at the branch level. This position involves handling account openings, addressing customer inquiries, and processing non-financial transactions with accuracy. The officer also supports administrative functions, manages fixed assets inventory, and ensures compliance with banking procedures. Additionally, they handle customer complaints, guide customers to appropriate banking services, and contribute to maintaining high service standards within the branch.

Key Responsibilities

- Ensure effective and efficient customer handling at the branch, delivering services in line with established service and quality standards.
- Operate across all branch operational segments at the inputter/maker level, managing account opening and related processes such as dormancy marking/removal, stop payment requests, account closures, statement issuance, loan account management, deceased customer marking/removal, and level migration for both Core and Jazz Cash customers. Participate in gold loan assessments.
- Prepare refund cases for deceased customers and maintain accurate records. Manage customer queries promptly and monitor branch service indicators to ensure targets are met.
- Perform all types of non-financial transactions accurately according to Standard Operating Procedures (SOP). Provide guidance to walk-in customers and actively cross-sell banking products. Prepare various reports for submission to the Customer Service Manager (CSM) and Head Office.
- Conduct an annual physical verification of fixed assets inventory and reconcile with the fixed assets register. Serve as custodian of security stationery alongside another officer, ensuring proper balancing and control.
- Oversee administrative support functions in coordination with the CSM and Branch Manager (BM). Handle customer complaints efficiently, offering timely solutions within the turnaround time (TAT).
- Maintain and update all registers and records, review sundry and suspense accounts for reconciliation, and manage daily scanning and uploading of SS cards. Process clearing instruments and returns, issue and destroy cheque books, bankers’ cheques, and Term Deposit Receipts (TDRs), ensuring accurate balancing.
- Act as custodian for cheque books and ATM cards, managing their delivery and maintenance per SOP. Serve as a backup for teller functions, ensuring cash sorting complies with State Bank of Pakistan’s (SBP) clean notes policy. Process cash deposits and withdrawals while adhering to operational regulations. Identify and report counterfeit notes.
- Manage cash exchanges between tellers, cash transfers between till and vault at start and end of day, and perform funds transfers (FTs), telegraphic transfers (TTs), and clearing entries with precision. Ensure end-of-day cash balancing between physical cash and system records (T24). Maintain cash balancing registers and prepare daily cash reports including Teller Daily Cash Record, SBP Sheet, Vault Position, and Average Sheet.
- Hold custody of allocated keys and stamps and perform any additional duties assigned by the Line Manager (LM).

Required Qualifications

- Bachelor’s degree from a recognized institution in a relevant field.
- Minimum of 2 years of relevant work experience in banking operations or a similar role.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including more than 20 million monthly active customers across Pakistan. The bank operates through a hybrid model combining traditional microfinance with mobile and digital banking technologies. With over 114 branches and 270,000 branchless banking agents, MMBL offers a wide range of services including savings, microenterprise loans, small housing loans, remittances, bill collection, mobile wallets, insurance, and various payment solutions. This extensive reach positions MMBL as a leader in promoting financial inclusion nationwide.

MMBL is dedicated to fostering a positive and productive work environment. The bank’s core values emphasize innovation, entrepreneurship, teamwork, collaboration, and a strong customer-centric approach.

Why Join MMBL?

Joining MMBL offers the chance to be part of a dynamic team committed to driving transformative change in the financial sector. This role is ideal for individuals passionate about empowering millions with the tools needed to succeed in the digital age and making a meaningful impact through their work.