مارچ ۲۵, ۲۰۲۴ شائع ہوئی 3012 نے دیکھا
Job Responsibilities
- Responsible for the direction, coordination and evaluation of SME business (Housing & School Finance, Commercial vehicle and SME).
- Lead the branch effectively in order to ensure the achievement of profitability objectives/targets and sale of above products while adhering to MMBL policies and SBP regulations.
- Implementation of sales plans through market assessment based on potential.
- Develop the relationship strategy for the assigned branch/area of responsibility with due focus on the verification, loans disbursement, collection and cross-sell.
- SME portfolio management of the branch and help to achieve the assigned targets through timely sales, verification and collection.
- Build and retain the highest level of motivation in the team to achieve maximum business volumes and employee retention.
- Marketing of bank products and preparation of sales strategy considering assigned targets and market demands.
- Aptitude for persuasion and negotiation.
- Evaluation and assessment of customer’s profile by adopting five Cs of credit.
- Being a Line Manager of relationship officer SME sale to ensure that they are highly productive in his/her individual capacity. Each of the relationship officer should be trained and assisted to assume his/her position as a first level of credit review that can correctly assess and verify the customer’s income/demographics with the view to establish customer’s need and credibility for the proposed loan.
- Manage, develop, coach, control and motivate the sales force to develop their skill to ensure that a high professional standard is achieved and monthly sales target and KPI target are met.
- Undertake capacity planning to meet the assigned tangible objectives of loan volumes and zero default through effective and timely verification, collection and cross sell.
- Organize and deploy resources to match the business priorities in the branch and maximum productivity of each team member in terms of the assigned objectives.
- Coordination with operations department to ensure the timely disbursals of loans by following the SOPs of loan disbursement and cancellation process.
- Ensure 100% loan collection by following proactive collection measures such as extraction of quarterly due listing from system, two months’ prior wake up calls to customer, serving of recovery notices, timely solution of problematic clients and team follow ups.
- To ensure portfolio at risk (PAR) at zero level perform bucket wise delinquent portfolio analysis, proactive collection measures, formulation of branch delinquency management committee (BDMC), enforcement of legal process against PDCs to minimize PAR.
- Ensure that every team member is performing monthly/quarterly meetings and plan surprise visits with teams to verify the activity. Strict check and balance to avoid family lending, adjustment lending and activist base lending.
- Visit and maintenance of PTPs record of 1DPD plus customer of the branch for review of BM/RBM.
Job Requirement
- Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable.
- Have a minimum of 3 years’ experience of working in microfinance industry.
Essential Skills
- Proficient in MS Office
- Strong analytical skills
- Team management
- Time management
- Negotiation skills
- Customer Relationship
- Ability to work under pressure
- Sound communication and interpersonal skills
- Meeting sales goals
- Motivation for sale
- Market knowledge
Desired Skills
- Skilled in business planning, retail banking, customer service, distribution and sales practices
- Thorough understanding of compliance and regulatory requirements for asset products Statements in this document are intended to reflect, in general, the role and responsibilities of the position, but are not to be interpreted as totally inclusive.
نوکری کی تفصیلات
Mobilink Microfinance Bank
Mobilink Microfinance Bank Limited (MMBL) is Pakistan's largest digital bank with over 20 million registered and 8 million active digital wallets. Backed by VEON Co., MMBL started operations in April 2012 and launched branch-less banking operations under the brand name JAZZCASH in partnership with Pakistan's largest telecom operator JAZZ in Nov 2012. Being a hybrid model that combines traditional micro finance with mobile / digital banking technologies, the bank now operates with 74 branches, with more than 1559 employees, a network of over 90000 branch-less banking agents (growing) and a USSD (GSM) based digital channel in the country offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (of utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments and thus playing a leading role in promotion of financial inclusion. Despite being a young bank, Mobilink bank has emerged as one of the front runners in the sector and achieved financial break-even within four years of commencing operations in 2016, one of the fastest in the industry. Financial performance of the Bank has been remarkable in 2016, 2017 and 2018 Mobilink Bank & JAZZ, under the brand name JAZZCASH, envision to become market leaders in branchless banking, digital banking and micro financial services offering simple, innovative and value added products and services to the people of Pakistan. MMBL game plan aims at taking banking from confines of limited number of brick and mortar structures to cell phones and thus make a significant contribution in banking the unbanked through digital channels. The Bank so far has financed over 500,000 individual micro and small businesses since inception of the Bank in 2012 and is the proud recipient of “Bank of the Unbanked Award” in 2018 and 2019.
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