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 dedicated point of contact, ensuring a seamless and tailored banking experience while promoting the bank’s products and services in alignment with established policies and ethical standards.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating micro-level sales and service delivery plans 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, 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 bank products effectively and contribute to strategic planning in this area.
- Utilize strong persuasion and negotiation skills to identify business opportunities and evaluate industry positioning.
- Assess 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 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 relationship officer duties, except when field collections are conducted under strict compliance with the collection manual.
- 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 the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Conduct market research to identify new sales opportunities and assess existing markets in collaboration with line management.
- 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 with customers to enhance loyalty and retention.
- 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 strictly following internal control standards.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- MBA qualification is preferred.
- 0-1 year of relevant experience in a related field is desirable.

Preferred Qualifications and Benefits

MMBL offers a dynamic work environment committed to innovation, teamwork, and a customer-centric approach. The bank serves over 48 million registered users across Pakistan through a hybrid model combining traditional microfinance with digital banking technologies. With more than 114 branches and 270,000 branchless banking agents, MMBL provides a wide range of financial products including savings, microenterprise loans, housing loans, remittances, mobile wallets, insurance, and various payment services. Joining MMBL means becoming part of a forward-thinking organization dedicated to financial inclusion and empowering millions through digital transformation.

This role is ideal for individuals passionate about making a meaningful impact and contributing to transformative change in the financial sector. MMBL fosters a positive and productive workplace culture that encourages innovation, entrepreneurship, and collaboration, offering an excellent opportunity to grow professionally while driving financial empowerment across Pakistan.

Job Location: Kohat