Relationship Officer Deposit

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 their deposit banking needs are met efficiently. The ideal candidate will contribute to building a healthy portfolio, driving liability growth, and supporting the bank’s retail deposit marketing efforts through effective client engagement and portfolio management.

Key Responsibilities
- Execute the customer acquisition process to build a strong portfolio aimed at liability growth and cross-selling targets.
- Develop and maintain a portfolio of Current Account, Savings Account (CALSA), and Term Deposit (TD) customers within agreed timelines.
- Achieve assigned portfolio targets for CALSA, Savings Account, and Term Deposit products on a weekly, monthly, quarterly, and annual basis.
- Recruit and onboard freelancers and brand ambassadors to form a deposit mobilization team of approximately 25 members for retail deposit marketing.
- Ensure the targeted portfolio mix between CASA (Current Account Savings Account) and Term Deposits is maintained.
- Drive growth of fairly priced deposits by encouraging multiple account openings.
- Establish and nurture strong relationships with key potential clients, converting these into long-term business partnerships.
- Adhere to bank policies, procedures, and strategies while coordinating with internal branch units to meet objectives.
- Monitor daily deposit mobilization and new-to-bank (NTB) account opening rates.
- Identify client challenges and collaborate with Relationship Managers or Branch Managers to address their needs effectively.
- Seek opportunities to cross-sell or upsell products to existing clients.
- Keep track of competitor activities to proactively retain MMBL clients.
- Deliver excellent customer service to uphold the bank’s positive reputation and resolve complaints promptly and professionally.
- Complete any additional tasks or assignments as directed by the Line Manager efficiently and effectively.

Required Qualifications
- Bachelor’s degree from a reputable institution in Business Administration, Commerce, Accounting, Marketing, Economics, Finance, or an equivalent field.
- Strong understanding of deposit products and their operational mechanisms.
- Knowledge of CASA fundamentals with the ability to contribute to 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 one of Pakistan’s leading microfinance banks, serving over 48 million registered users with a robust network of branches and branchless banking agents.
- Be part of a forward-thinking organization that combines traditional banking with digital innovation to promote financial inclusion.
- Join a workplace culture that values innovation, entrepreneurship, teamwork, collaboration, and a customer-centric approach.
- Contribute to a mission-driven team focused on empowering millions through digital financial services and transformative change.

This position is based at the Faisalabad branch and offers a unique chance to grow professionally while making a meaningful impact in the financial sector. If you are passionate about client relationship management and deposit growth, MMBL provides a dynamic environment to advance your career.