Relationship Manager Asset

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Manager - Asset to play a pivotal role in driving asset sales and managing client relationships with a strategic and customer-focused approach. This position involves understanding clients’ financial goals and delivering tailored solutions that align with their long-term aspirations. The Relationship Manager will be responsible for achieving sales targets ethically, managing the asset portfolio, and leading a team to ensure profitability and compliance with bank policies and regulatory requirements. This role requires a combination of financial expertise, market insight, and strong interpersonal skills to foster lasting client relationships and contribute to the bank’s growth.

Key Responsibilities

- Implement approved sales and service plans to meet growth objectives by coordinating with Branch Managers and Relationship Managers.
- Develop and maintain customer relationships by selling bank products in accordance with established SOPs.
- Achieve sales targets through genuine lending practices, avoiding unethical loan activities such as family loaning or activist lending.
- Market bank products effectively and devise strategies to expand customer base and profitability.
- Identify business opportunities through market evaluation and customer profiling using the five Cs of credit.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Ensure timely loan repayments and maintain 100% collection rates by proactive client communication.
- Handle customer legal documents with utmost care to prevent misuse and guide clients to deposit repayments at cash counters.
- Avoid cash handling during routine operations; ensure strict compliance with collection procedures during field collections.
- Prepare weekly field activity plans and monitor deviations in consultation with Line Manager.
- Conduct monthly and quarterly customer meetings as per product programs.
- Execute loan bookings strictly following bank policies, ethics, and standards.
- Continuously update product knowledge and recommend improvements based on client feedback.
- Perform market research to identify new sales opportunities and assess existing markets.
- Maintain high internal service standards and ensure no customer complaints by adhering to the bank’s fair treatment policy.
- Develop and sustain long-term relationships with customers.
- Report any suspected fraud or potential losses to the Line Manager or Head of Department.
- Ensure compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation.
- Oversee microcredit business direction, coordination, and evaluation.
- Lead branch efforts to meet profitability and asset sales targets while adhering to policies.
- Develop relationship strategies focusing on loan verification, disbursement, collection, and cross-selling.
- Manage and motivate the sales team, including Relationship Officers, to ensure productivity and professional growth.
- Conduct capacity planning to meet loan volume targets and maintain zero default rates.
- Coordinate with operations to ensure timely loan disbursements and cancellations as per SOPs.

Required Qualifications

- Bachelor’s degree from a reputable institution.
- Minimum of 3 years’ experience in the microfinance industry.

Preferred Qualifications and Benefits

- An MBA degree is preferred.
- Opportunity to work with a leading microfinance institution serving over 48 million users across Pakistan.
- Be part of a dynamic team committed to financial inclusion through innovative digital and traditional banking solutions.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Play a key role in empowering millions by driving transformative change in the digital financial landscape.

This role is based at the Sargodha Branch and offers a chance to contribute meaningfully to Mobilink Microfinance Bank’s mission of expanding financial access through a hybrid model of microfinance and digital banking technologies.