• Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM.
  • Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank.
  • Achievement of Targets/Objectives of sales in assigned areas with best ethics and moral practices by following SOPs.
  • Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.
  • Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.
  • Marketing of company products and make strategy in this regards.
  • Aptitude for persuasion and negotiation.
  • Identifies business opportunities by identifying prospects and evaluation of position of the industry.
  • Evaluation of customer’s profile by adopting of five C’s of credit.
  • Dissemination of terms and conditions of the products offered by the customers.
  • Ensuring on track performance by conducting physical verification of the prospective clients.
  • Ensure proactive collection, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank.
  • Extra care must be taken while handling of customers legal documents to avoid any misuse.
  • Guide customers to deposit their loan repayments at cash counter only.
  • Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field proper strict compliance of collection manual must be ensured.
  • Preparation of weekly field activity planner and deviation marking in consultation with LM.
  • Ensure Monthly/Quarterly meeting of customers as per defined products program.
  • Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.
  • Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback.
  • Conduct market assessment/research to identify selling possibilities and new markets / areas and review the existing market / areas for final decisions in consultation with line manager.
  • Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy. Developing and sustaining long-lasting relationship of the bank with customers.
  • Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line Manager/HOD.
  • Ensure compliance of bank products SOPs and SBPs rules and regulation to safeguards reputation of the bank to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.

Job Details

Job Channel:
Functional Area:
Total Positions:
35+ Posts
Job Shift:
First Shift (Day)
Job Type:
Department:
Business Banking
Job Location:
Gender:
Female
Minimum Education:
Bachelors
Career Level:
Entry Level
Minimum Experience:
Less than 1 Year
Apply Before:
Dec 18, 2022
Posting Date:
Nov 17, 2022
Diversity Inclusion:
We value diversity of our employees. All qualified applicants will receive fair consideration without regard to genders or socio-economic backgrounds.

Work Environment

Supervisor’s gender:
Male
Percentage of female coworkers:
20-29%

Mobilink Microfinance Bank

Banking/Financial Services · 1001-1500 employees -

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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