Relationship Officer

U Microfinance Bank

Multiple Cities, Pakistan

Apply Now

Posted 2 days ago 284 views Report Job

Job Purpose/Summary

The Relationship Officer is responsible for acquiring salary and pension customers and building a profitable portfolio by marketing the Bank’s salary and pension financing products. This role focuses on customer acquisition, developing relationships with employers and pensioners, facilitating financing applications, assessing repayment capacity, and ensuring portfolio quality in accordance with the Bank’s policies.

Job Responsibilities

Identify and acquire salaried individuals and pensioners eligible for the Bank’s financing products.
Develop relationships with government departments, private organizations, employers, and pension disbursement entities to generate business leads.
Market and sell salary and pension financing products to achieve assigned business targets.
Guide customers on product features, eligibility criteria, documentation, financing terms, and repayment schedules.
Collect, verify, and process customer applications and supporting documents in accordance with the Bank’s policies.
Verify employment status, salary or pension income, and repayment capacity through prescribed verification procedures.
Coordinate with relevant departments to obtain approvals and facilitate timely financing disbursements.
Monitor the assigned portfolio, follow up on overdue installments, and coordinate with Recovery for timely collections.
Maintain accurate records and submit regular business development, disbursement, and portfolio reports.
Ensure compliance with the Bank’s policies, KYC/AML requirements, internal controls, and applicable regulatory guidelines.
Support deposit mobilization and cross-selling of relevant banking products, where applicable.
Perform any other duties assigned by the line manager.

Skills and Competencies

Strong sales, business development, and customer acquisition skills.
Excellent communication, negotiation, and relationship management abilities.
Ability to develop institutional relationships with employers and relevant organizations.
Understanding of salary-based and pension-based financing, credit assessment, and documentation.
Strong follow-up, analytical, and problem-solving skills.
Target-oriented approach with the ability to work under pressure.
High standards of integrity, customer service, and regulatory compliance.

Education and Experience

Bachelor’s degree in Business Administration, Commerce, Finance, Banking, or a related discipline.
2–4 years of relevant banking experience, preferably in consumer lending, personal finance, salary financing, or pension financing.
Experience in institutional sales, customer acquisition, and credit documentation will be an advantage.

Location

Swabi, Mardan, Charsadda, Nowshera, Peshawar, Kohat, Mingora, Matta, Batkhela, Timergara, Haripur, Abbottabad, Mansehra, and Balakot.

Skills

Pension Fund Management Intrapersonal Skills Confidential Documents Handling Communication Skills

Job Details

Industry:

Banking/Financial Services

Functional Area:

Sales & Business Development

Total Positions:

1 Post

Job Shift:

First Shift (Day)

Job Type:

Full Time/Permanent

Department:

BRANCH JOBS

Job Location:

Mardan, Peshawar, Charsada, Kohat, Mingora, Nowshera, Swabi, Matta, Pakistan

Gender:

No Preference

Minimum Education:

Bachelors

Degree Title:

Bachelor’s degree in Business Administration, Commerce, Finance, Banking, or a related discipline.

Career Level:

Experienced Professional

Experience:

2 Years - 4 Years

Apply Before:

Nov 22, 2026

Posting Date:

Oct 21, 2026

U Microfinance Bank

Banking/Financial Services · 3001-3500 employees - Swabi, Mardan, Charsada, Nowshera, Peshawar, Kohat, Mingora, Matta

U Microfinance Bank Limited (Formerly known as Rozgar Microfinance bank Ltd.) was incorporated as public ltd. Company On 29th of October 2003 under Company Ordinance 1984. It was the 4th microfinance bank, licensed by State Bank of Pakistan under Microfinance Institutions Ordinance 2001. Initially, Rozgar, MicrofinanceBank Limited was a district wide microfinance Bank (MFB) operating in Karachi district. In August, 2012,Pakistan Telecommunication Company Limited (PTCL) has acquired 100% shareholding of Rozgar Microfinance Bank Limited, after fulfilling required regulatory requirements and change in name from Rozgar Microfinance bank Ltd. To U Microfinance bank Ltd, it was awarded 14thlicenseto operate at national level.