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’ unique financial needs and goals, providing personalized assistance, and guiding them through various banking products and services. The Relationship Officer acts as a trusted point of contact, ensuring a seamless and tailored banking experience while supporting the bank’s growth objectives.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth targets by coordinating micro-level sales strategies with Branch Managers and Relationship Managers.
- Develop and maintain customer relationships by selling 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 by increasing loan sales and expanding the customer base while strictly adhering to SOPs.
- Market bank products effectively and contribute to strategy development related to 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 customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at cash counters and avoid direct cash handling during routine operations; ensure strict compliance with collection manuals when collecting in the field.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Conduct monthly and quarterly customer meetings as per product program requirements.
- Ensure loan booking complies fully with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Conduct market assessments and research to identify new sales opportunities and evaluate existing markets in collaboration with line managers.
- Maintain high internal service standards to prevent customer complaints, adhering to the bank’s fair treatment of customers policy.
- Build and sustain long-term relationships between the bank and its customers.
- Report any suspected fraud or potential losses to the line manager or Head of Department promptly.
- 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.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Be part of a dynamic team driving financial inclusion through innovative digital and traditional banking solutions.
- Engage in a workplace culture that values innovation, entrepreneurship, teamwork, and a customer-centric approach.
- Play a key role in empowering millions with access to financial tools essential for success in the digital age.

Job Location: Daska

Mobilink Microfinance Bank Ltd. combines traditional microfinance with cutting-edge 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, housing loans, remittances, bill collections, mobile wallets, insurance, and various payment solutions. Joining MMBL means contributing to a transformative mission aimed at enhancing financial inclusion and supporting economic growth across Pakistan.