Relationship Officer Asset

At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer Asset plays a crucial role in building and maintaining strong connections between the bank and its customers. This position involves understanding clients’ financial needs and goals, providing personalized assistance, and guiding them through various banking products and services. The Relationship Officer acts as a dedicated point of contact, ensuring a seamless banking experience by offering tailored solutions, addressing concerns, and supporting customers in achieving their financial objectives.

Key Responsibilities

- Implement approved sales and service plans to meet the bank’s growth objectives by coordinating micro-level sales strategies with Branch Managers and Relationship Managers.
- Develop relationships with customers and sell bank products in accordance with the bank’s Standard Operating Procedures (SOPs).
- Achieve sales targets ethically by avoiding practices such as family loaning, activist base lending, and adjustment lending.
- Drive profitability through loan sales and customer base expansion while strictly adhering to SOPs.
- Market bank products effectively and contribute to strategic planning for product promotion.
- Utilize strong persuasion and negotiation skills to identify and capitalize on business opportunities.
- Evaluate customer profiles using the five C’s of credit to ensure sound lending decisions.
- Clearly communicate product terms and conditions to customers.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections by maintaining timely communication with clients and ensuring 100% repayment compliance.
- Handle customers’ legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at designated cash counters and avoid direct cash handling during routine Relationship Officer functions. Strictly comply with collection manuals when collecting in the field.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Organize monthly and quarterly customer meetings as per product programs.
- Ensure loan bookings comply fully with bank policies, procedures, ethics, and standards.
- Continuously update knowledge of products and services, recommending improvements based on client feedback.
- Conduct market research to identify new sales opportunities and evaluate existing markets in collaboration with line managers.
- Maintain high internal service standards and ensure no customer complaints arise by adhering to the bank’s fair treatment policy.
- Foster long-term relationships between the bank and its customers.
- Report any suspected fraud or potential losses promptly to the line manager or Head of Department.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial or operational losses by following internal control standards rigorously.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- 0-1 years of relevant experience in a similar role is preferred.

Preferred Qualifications and Benefits

- An MBA degree is considered an advantage.
- This role is based in Daska.

Mobilink Microfinance Bank Ltd. serves over 48 million registered users across Pakistan, combining traditional microfinance with innovative mobile and digital banking technologies. With more than 114 branches and 270,000 branchless banking agents, MMBL offers a wide range of services including savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and digital payments. The bank is committed to financial inclusion and fostering a workplace culture that values innovation, teamwork, and customer-centricity.

Joining MMBL offers the chance to contribute to transformative change by empowering millions with digital financial tools. This opportunity is ideal for individuals passionate about making a meaningful impact in the evolving financial landscape.