Branch Manager

A Branch Manager at Mobilink Microfinance Bank Ltd. (MMBL) plays a pivotal role in driving the branch’s financial and service objectives. 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, guarantee timely service delivery, and establish procedures to maintain smooth branch workflows. Additionally, the Branch Manager acts as a credit officer, manages cash flow, and fosters a productive team environment to meet the bank’s goals.

Key Responsibilities

- Create a motivating environment and promote team spirit to achieve financial targets and service level objectives. Plan branch functions with an emphasis on loan and deposit acquisition within the assigned budget.
- Achieve self-funding status by maintaining a balanced portfolio of loans and deposits, taking full responsibility for the branch as a revenue center.
- Implement cost-effective measures and uphold standards of frugality to align with the dynamics of the microfinance business.
- Act as a credit officer by arranging and approving loan applications.
- Manage all operational and administrative aspects of the branch, ensuring smooth daily functioning.
- Ensure the branch opens on time at 9:00 AM and closes according to the specified schedule, organizing clear procedures for opening and closing with assigned responsibilities.
- Optimize branch workflow by deploying resources productively and conducting regular capacity planning to identify staffing needs, coordinating with the hub for recruitment.
- Oversee collection and recovery processes to keep delinquencies and losses within target limits.
- Ensure financial and functional transactions are executed efficiently while maintaining process integrity.
- Plan and manage cash flow to meet daily requirements, avoiding excess idle cash.
- Arrange training programs to develop the professional and leadership skills of branch staff.
- Conduct regular self-assessments and prepare the branch for internal, external, and regulatory audits.
- Uphold the bank’s reputation by ensuring integrity in all functional areas, particularly in financial reconciliation and system operations.

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 banking, microfinance, or a similar sector.

Preferred Qualifications and Benefits

- An MBA degree is preferred, subject to approval.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Join a forward-thinking organization that combines traditional microfinance with innovative mobile and digital banking technologies.
- Be part of a team committed to financial inclusion, offering services such as savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and various payment solutions.
- Work in a positive and collaborative environment that values innovation, entrepreneurship, teamwork, and a customer-centric approach.
- Play a key role in driving transformative change and empowering millions to succeed in the digital age.

This position is based at the Satellite Town Rawalpindi branch and offers a unique opportunity for professionals passionate about making a meaningful impact in the microfinance sector.