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 and service delivery 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-based 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 and capitalize on business opportunities.
- Evaluate customer profiles using the five C’s of credit to assess creditworthiness.
- Clearly communicate product terms and conditions to customers.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections through timely communication, ensuring 100% repayment in line with bank policies.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at designated cash counters, avoiding cash handling during Relationship Officer functions 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 with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge, recommending improvements based on feedback.
- Conduct market research to identify new sales opportunities and evaluate 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.
- 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.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and minimize financial and operational risks.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- Preferably 0-1 year of experience in a related field.

Preferred Qualifications and Benefits

- An MBA degree is preferred, enhancing the candidate’s ability to contribute strategically.
- Joining MMBL offers the chance to be part of a dynamic team committed to financial inclusion and digital innovation.
- The bank 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 of customers through accessible financial services and digital banking solutions.

Job Location: Shujabad Branch

Mobilink Microfinance Bank Ltd. serves over 48 million registered users across Pakistan, combining 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 services including savings, MSME loans, housing loans, remittances, bill collections, mobile wallets, insurance, and various payment solutions. The bank is a leader in promoting financial inclusion and digital empowerment nationwide.