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 providing personalized guidance on various banking products and services. The Relationship Officer acts as a trusted point of contact, assisting customers with account openings, loan applications, and other financial solutions to enhance their overall banking experience.

Key Responsibilities
- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating micro-level sales strategies with Branch Managers and Relationship Managers.
- Develop customer relationships and sell banking 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.
- Increase profitability through loan sales and customer base expansion while strictly following bank policies.
- Market company products and contribute to strategic planning efforts.
- Demonstrate 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 cash handling during regular duties, except when following strict collection manual procedures for field collections.
- Prepare weekly field activity plans and report deviations in consultation with the Line Manager.
- 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 knowledge of products and services and recommend improvements based on client feedback.
- Conduct market research to identify new selling opportunities and assess existing markets in coordination with the line manager.
- Maintain high internal service standards to prevent customer complaints, 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 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 recognized institution.
- 0-1 year of relevant experience in a related field 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.
- Join a dynamic team committed to financial inclusion through innovative digital and traditional banking solutions.
- Be part of a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Play a vital role in empowering millions by providing access to essential financial tools in the digital era.

Job Location: Mardan Branch

Mobilink Microfinance Bank Ltd. combines traditional microfinance with cutting-edge mobile and digital banking technologies. Operating through more than 114 branches and 270,000 branchless banking agents, MMBL offers a wide range of products including savings, MSME loans, small housing loans, remittances, and mobile wallets. The bank is dedicated to fostering a positive work environment that encourages entrepreneurship and collaboration while prioritizing customer satisfaction. This role is ideal for individuals passionate about making a meaningful impact and driving transformative change in the financial sector.