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 that supports both customer satisfaction and 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 and Relationship Managers.
- Establish and develop customer relationships in accordance with the bank’s Standard Operating Procedures (SOPs) to promote and sell financial products.
- 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 adhering strictly to SOPs.
- Market company products effectively and contribute to strategy development.
- Utilize strong persuasion and negotiation skills to identify and capitalize on business opportunities.
- Evaluate customer profiles using the five C’s of credit and communicate product terms and conditions clearly.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections, ensuring timely repayments and 100% collection compliance following bank procedures.
- Handle customer legal documents with utmost care to prevent misuse.
- Advise customers to make loan repayments at cash counters and avoid cash handling during routine Relationship Officer functions; ensure strict compliance with collection manuals during field collections.
- Prepare weekly field activity plans and report deviations in consultation with the Line Manager.
- Organize monthly and quarterly customer meetings aligned with product programs.
- Execute loan bookings in strict compliance with bank policies, 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 assess existing markets in collaboration with line management.
- Uphold internal service standards to prevent customer complaints, following the bank’s fair treatment policy.
- Foster long-term relationships between the bank and its customers.
- Report any suspected fraud or potential losses 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 minimize financial, operational, and market risks.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- MBA qualification is preferred.
- 0-1 year of relevant experience in the financial or banking sector is desirable.

Preferred Qualifications and Benefits

Joining MMBL offers a unique opportunity to be part of a pioneering institution that serves over 48 million registered users across Pakistan through a hybrid model of traditional microfinance and digital banking. The bank operates more than 114 branches and 270,000 branchless banking agents, providing a wide range of services including savings, microenterprise loans, housing loans, remittances, mobile wallets, insurance, and various payment solutions.

MMBL is committed to fostering a positive and innovative workplace culture that values teamwork, entrepreneurship, and a customer-centric approach. This role is ideal for individuals passionate about making a meaningful impact and contributing to financial inclusion by empowering millions with digital financial tools.

If you are driven to help transform lives through accessible banking solutions and want to grow your career in a dynamic environment, MMBL invites you to join their dedicated team.