Branch Manager

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a dedicated Branch Manager to lead and manage branch operations with a strong focus on achieving financial and service objectives. The Branch Manager will be responsible for driving loan and deposit acquisition while ensuring the branch operates efficiently within budget constraints. This role demands overseeing all operational and administrative functions, maintaining a balance between loans and deposits to achieve self-funding status, and ensuring timely service delivery. The ideal candidate will foster a collaborative team environment, uphold the bank’s reputation, and contribute to the overall growth and success of the branch.

Key Responsibilities

- Create a positive work environment and team spirit to meet financial and service level targets. Plan branch activities with a focus on loan and deposit acquisition, operating within the assigned budget.
- Achieve self-funding status by balancing loans and deposits, taking full ownership of the branch as a revenue center.
- Implement cost-effective measures and promote frugality to align with microfinance business dynamics.
- Act as a credit officer, managing loan approvals and ensuring compliance with credit policies.
- Oversee all branch functions, including operational and administrative tasks, ensuring smooth daily operations.
- Ensure the branch opens and closes on time, following the established schedule, and organize procedures for efficient branch opening and closing with clear assignment of responsibilities.
- Optimize resource allocation and productivity by organizing branch workflow and conducting regular capacity planning to identify staffing needs.
- Manage collection and recovery processes to keep delinquencies and losses within acceptable limits.
- Ensure all financial and functional transactions are executed efficiently while maintaining process integrity.
- Plan and manage cash flow to meet daily requirements without holding inactive or non-productive cash.
- Facilitate 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, including those by the State Bank of Pakistan (SBP).
- Uphold the bank’s reputation by ensuring integrity in all functional areas, particularly in system operations and financial reconciliation.

Required Qualifications

- Bachelor’s degree in Marketing or Commerce from a recognized 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.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Be part of a hybrid banking model that integrates traditional microfinance with innovative mobile and digital banking technologies.
- Join a dynamic team committed to financial inclusion, innovation, and customer-centric service delivery.
- Contribute to empowering millions through access to savings, MSME loans, housing finance, remittances, insurance, and digital payment solutions.
- Work in a positive and productive environment that values teamwork, entrepreneurship, and continuous professional growth.

This position is based at the Sialkot Branch and offers a unique chance to play a pivotal role in driving transformative change within the microfinance sector. If you are passionate about making a meaningful impact and leading a branch towards sustainable growth, MMBL welcomes your application.