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 banking experience by offering tailored solutions, addressing concerns, and supporting customers throughout their financial journey.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating micro-level sales and service delivery strategies 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 and objectives ethically, avoiding practices such as family loaning, activist base lending, and adjustment lending.
- Enhance the company’s profitability by increasing loan sales and expanding the customer base while strictly adhering to SOPs.
- Market company products effectively and develop strategic approaches to promote them.
- 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 communicate product terms and conditions clearly.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections, ensuring timely repayments through consistent client communication and adherence to SOPs.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments exclusively 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.
- Conduct loan bookings in strict compliance with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge, recommending improvements based on personal and client feedback.
- Perform market assessments and research to identify new selling opportunities and evaluate existing markets in coordination with line managers.
- Maintain high internal service standards to prevent service-related complaints, following the bank’s fair treatment of customers policy.
- Develop 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.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial, operational, or market losses by strictly following internal control standards.

Required Qualifications

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

Preferred Qualifications and Benefits

MMBL offers a dynamic work environment where innovation, teamwork, and a customer-centric approach are highly valued. 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 services including savings, MSME loans, small housing loans, remittances, mobile wallets, insurance, and digital payments.

Joining MMBL means becoming part of a forward-thinking team dedicated to financial inclusion and empowering millions of customers in the digital age. This role is ideal for individuals passionate about making a meaningful impact and driving transformative change within the banking sector.

Job Location: Peshawar Branch