Branch Manager

A Branch Manager at Mobilink Microfinance Bank Ltd. (MMBL) plays a pivotal role in driving the financial and service objectives of the branch. This position involves leading and planning branch operations with a strong focus on acquiring loans and deposits while adhering to budget constraints. The Branch Manager ensures the branch operates efficiently, balancing loans and deposits to achieve self-funding status. They oversee all operational and administrative functions, ensuring timely service delivery and smooth branch workflows. This role also includes managing credit approvals, optimizing resource deployment, and maintaining the integrity of financial transactions and processes.

Key Responsibilities

- Foster a positive work environment and team spirit to meet financial and service targets. Plan branch activities with an emphasis on loan and deposit acquisition within the assigned budget.
- Achieve self-funding status by balancing loan and deposit portfolios, taking full accountability for the branch as a revenue center.
- Implement cost-control measures and promote frugality to align with the dynamics of the microfinance business.
- Act as a credit officer by arranging and approving loan applications.
- Oversee all operational and administrative functions of the branch, ensuring compliance with policies and procedures.
- Ensure the branch opens promptly at 9:00 AM and closes as per the designated schedule, organizing smooth opening and closing procedures with clear assignment of responsibilities.
- Manage branch workflow efficiently to maximize productivity, regularly assessing capacity needs and coordinating with the hub for resource requirements.
- Lead the collection and recovery processes to keep delinquencies and losses within targeted limits.
- Guarantee the efficient execution of financial and functional transactions while maintaining process integrity.
- Plan and manage cash flow to ensure optimal availability, avoiding excessive idle cash.
- Coordinate training programs to enhance the professional and leadership skills of branch staff.
- Conduct regular self-assessments and prepare the branch for internal, external, and regulatory audits, including those by the State Bank of Pakistan.
- Uphold the bank’s reputation by ensuring system integrity and accurate financial reconciliation across all branch functions.

Required Qualifications

- Bachelor’s degree in Marketing, Commerce, or a related field from a reputable institution.
- Minimum of 5 years of relevant work experience in a similar role.

Preferred Qualifications and Benefits

- An MBA degree is preferred, subject to approval.
- Joining MMBL offers the chance to be part of a leading microfinance institution that serves over 48 million registered users across Pakistan through a hybrid model combining traditional microfinance and digital banking technologies.
- The bank operates more than 114 branches and 270,000 branchless banking agents, providing a wide range of services including savings, MSME loans, housing loans, remittances, bill collection, mobile wallets, insurance, and various payment solutions.
- MMBL is committed to fostering a positive and productive workplace culture that encourages innovation, teamwork, and a customer-centric approach.
- This role presents an exciting opportunity for individuals passionate about driving transformative change and empowering millions to succeed in the digital economy.

Job Location: Jhelum Branch

Joining MMBL means contributing to a mission that promotes financial inclusion and supports economic growth through innovative banking solutions. If you are a motivated leader ready to take full ownership of branch performance and impact lives positively, this role offers a rewarding career path.