Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Officer for Deposit Banking to manage and grow relationships with individual and corporate clients. This role focuses on acquiring new customers, retaining existing ones, and ensuring clients’ deposit needs are met efficiently. The ideal candidate will contribute to building a strong deposit portfolio, support retail deposit growth, and uphold the bank’s commitment to excellent customer service and financial inclusion.
Key Responsibilities
- Execute the customer acquisition process to build a healthy liability portfolio and achieve cross-sell targets.
- Develop a portfolio of Current Account, Low Savings Account (CALSA), and Term Deposit (TD) customers within agreed timelines.
- Meet assigned portfolio targets for CALSA, Savings Accounts (SA), and Term Deposits on a weekly, monthly, quarterly, and annual basis.
- Recruit and onboard freelancers and brand ambassadors to form a deposit mobilization team of 25 members focused on retail deposit marketing.
- Maintain the targeted portfolio mix between CASA (Current and Savings Accounts) and Term Deposits.
- Achieve fairly priced deposits to support retail deposit growth through multiple account openings.
- Establish and nurture strong relationships with key potential clients, converting these into long-term business partnerships.
- Ensure all objectives are met in compliance with bank policies, procedures, and strategies, coordinating effectively with internal branch units.
- Drive daily deposit mobilization and New-To-Bank (NTB) account opening activities.
- Understand client challenges and collaborate with Relationship Managers (RMs) and Branch Managers (BMs) to address client needs effectively.
- Identify opportunities to cross-sell or upsell banking products to existing clients.
- Monitor competitor activities to proactively retain and satisfy MMBL clients.
- Deliver excellent customer service to maintain the bank’s positive reputation and promptly resolve any customer complaints.
- Complete any additional tasks or assignments efficiently as directed by the Line Manager.
Required Qualifications
- Bachelor’s degree from a reputable institution in Business Administration, Commerce, Accounting, Marketing, Economics, Finance, or a related field.
- Strong understanding of deposit products and their operational aspects.
- Knowledge of CASA fundamentals and strategies to drive CASA growth.
- Minimum of one year of relevant experience in sales, management, or operations within retail/consumer banking or a related industry.
Preferred Qualifications and Benefits
- Experience in retail banking or microfinance sectors is advantageous.
- Opportunity to work with a leading microfinance bank serving over 48 million registered users across Pakistan.
- Be part of a hybrid banking model combining traditional microfinance with digital banking technologies, including branchless banking and USSD-based services.
- Join a workplace that values innovation, entrepreneurship, teamwork, and a customer-centric approach.
- Contribute to a mission focused on financial inclusion and empowering millions through accessible banking solutions.
This role offers a unique chance to make a meaningful impact by driving deposit growth and supporting financial empowerment in a dynamic and evolving banking environment. If you are passionate about customer relationships and growth within the banking sector, MMBL provides a platform to develop your career while contributing to transformative change.