Posted Oct 21, 2026 6 views
Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Officer SME to manage and nurture relationships with small and medium-sized enterprise clients. This role focuses on understanding and fulfilling the financial needs of SME customers while driving revenue growth for the bank. The ideal candidate will work closely with branch and relationship managers to implement sales and service plans, identify new market opportunities, and ensure compliance with the bank’s policies and procedures. This position offers a chance to contribute to financial inclusion by supporting the growth of micro and small businesses through tailored banking solutions.
Key Responsibilities
- Implement approved sales and service plans to achieve growth objectives by coordinating with branch and relationship managers.
- Conduct market assessments and research to identify new selling opportunities and evaluate existing markets in consultation with management.
- Establish and develop customer relationships according to the bank’s standard operating procedures (SOPs).
- Achieve sales targets ethically by avoiding practices such as family loaning, activist lending, and adjustment lending.
- Promote profitability through loan sales and customer base expansion while adhering strictly to SOPs.
- Market bank products and develop strategic approaches to increase outreach.
- Identify business opportunities by evaluating industry prospects and customer profiles using the five C’s of credit.
- 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 customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at cash counters and avoid cash handling during relationship officer functions, except under strict collection manual compliance.
- Prepare weekly field activity plans and report deviations in coordination with line managers.
- Organize monthly and quarterly customer meetings aligned with product programs.
- Ensure loan bookings comply fully with bank policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Maintain high internal service standards to prevent customer complaints, following 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.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations.
- Safeguard the bank’s reputation by adhering strictly to internal control standards to avoid financial, operational, or market losses.
Required Qualifications
- Bachelor’s degree from a recognized institution is mandatory.
- At least 1-2 years of relevant experience in a similar role is preferred.
Preferred Qualifications and Benefits
- An MBA degree is highly desirable.
- Opportunity to work with one of Pakistan’s leading microfinance banks, serving over 48 million registered users.
- Be part of a dynamic team that combines traditional microfinance with innovative digital banking solutions.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Play a vital role in empowering SMEs and promoting financial inclusion across Pakistan.
This role is based at the Minchinabad Branch and offers a unique opportunity to contribute meaningfully to the growth of micro and small enterprises while advancing your career in the financial services sector. If you are passionate about driving change and supporting business growth through responsible banking, MMBL welcomes your application.
Job Details
Mobilink Bank
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