Relationship Officer Asset

At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer Asset plays a crucial role in building and maintaining strong relationships 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 dedicated 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/service delivery plans with Branch Managers and Relationship Managers.
- Establish contact and develop relationships with customers to 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 by increasing loan sales and expanding the customer base while strictly following SOPs.
- Market company products effectively and contribute to strategy development.
- Utilize strong persuasion and negotiation skills to identify business opportunities and evaluate industry positions.
- Assess customer profiles using the five C’s of credit and clearly communicate product terms and conditions.
- Conduct physical verification of prospective clients to ensure performance remains on track.
- Proactively manage loan collections by maintaining timely communication with clients, ensuring 100% loan repayment in line with bank policies.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to deposit loan repayments only at cash counters and avoid cash handling during regular duties, except under strict compliance during field collections.
- 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 strictly with bank policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Conduct market research to identify new selling opportunities and assess existing markets in coordination with line management.
- Maintain high internal service standards to avoid customer complaints, adhering to the bank’s fair treatment policy.
- Build and sustain long-term relationships with customers to enhance loyalty and trust.
- 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 adhering strictly to internal controls.

Required Qualifications
- Bachelor’s degree from a recognized institution is mandatory.
- 0-1 years of relevant experience in a related field is preferred.

Preferred Qualifications and Benefits
- An MBA degree is considered an advantage.
- Joining MMBL offers the chance to be part of a forward-thinking organization that combines traditional microfinance with innovative digital banking solutions.
- The bank serves over 48 million registered users across Pakistan through a network of branches and branchless banking agents, playing a leading role in financial inclusion.
- MMBL fosters a positive and collaborative work environment that values innovation, teamwork, and a customer-centric approach.
- This role provides an opportunity to make a meaningful impact by empowering millions with financial tools essential for success in the digital economy.

This position is based at the Daryakhan Branch and is ideal for individuals passionate about driving transformative change within the financial services sector.