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, processing non-financial transactions, and supporting administrative functions. The officer also manages fixed assets inventory, security stationery, and ensures compliance with banking procedures. Additionally, they resolve customer complaints, guide clients to appropriate services, and contribute to maintaining high service standards within the branch.

Key Responsibilities

- Provide effective and efficient customer service in the branch, adhering to established service and quality standards.
- Operate across all branch operational segments as an inputter/maker, managing processes such as account opening, dormancy marking/removal, stop payment requests, account closures, statement issuance, loan account management, deceased account handling, and level migration for Core and Jazz Cash customers.
- Participate in gold loan assessments and prepare refunds for deceased customer cases while maintaining accurate records.
- Handle customer queries promptly and monitor branch service indicators, taking necessary actions to meet targets.
- Perform all non-financial transactions accurately in line with Standard Operating Procedures (SOP), assist walk-in customers, and promote bank products.
- Prepare various reports for submission to Customer Service Managers (CSM) and Head Office.
- Conduct an annual physical verification of fixed assets and reconcile the fixed assets register.
- Act as custodian of security stationery alongside other officers, ensuring proper balancing and control.
- Manage administrative support in coordination with CSM and Branch Manager (BM).
- Address customer complaints by providing timely and appropriate solutions within the turnaround time (TAT).
- Maintain and update all registers and records, review sundry and suspense accounts for reconciliation, and handle daily scanning and uploading of SS cards.
- Process clearing instruments, mark returns, issue and destroy cheque books, bankers’ cheques, and Term Deposit Receipts (TDR), ensuring proper balancing.
- Serve as custodian for received cheque books and ATM cards, overseeing their delivery and maintenance according to SOP.
- Support teller operations, ensuring accurate cash sorting per State Bank of Pakistan (SBP) clean notes policy.
- Process cash deposits and withdrawals while complying with operational regulations, identify counterfeit notes, and manage cheque deposits.
- Facilitate cash exchanges between tellers and ensure cash transfers between till and vault at the start and end of the day.
- Execute funds transfers (FT), telegraphic transfers (TT), and clearing entries with precision.
- Balance cash at day-end, 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.
- 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 or financial services.

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 USSD-based digital platform providing savings, MSME loans, small housing loans, remittances, bill collection, mobile wallets, insurance, and various payment services. This extensive network supports financial inclusion and empowers underserved communities.

MMBL is dedicated to fostering a positive workplace culture that values innovation, entrepreneurship, teamwork, and a customer-centric approach.

Why Join MMBL?

This role offers an exciting opportunity for individuals passionate about making a meaningful impact and driving transformative change. Joining MMBL means contributing to empowering millions with digital financial tools and being part of a forward-thinking team committed to growth and inclusion in the digital age.