Product Sales Expert – Salary & Pension

The Product Sales Expert – Salary & Pension at Halan Microfinance Bank plays a crucial role in driving the acquisition, disbursement, and portfolio growth of the bank’s Salary and Pension products. This includes salary loans for salaried individuals and pension-based financing and accounts for pensioners. The role involves building and managing institutional partnerships with employers and pension disbursing offices, acting as the product expert for the branch network, and ensuring all business activities comply with the Bank’s credit policy, State Bank of Pakistan (SBP) Prudential Regulations for Microfinance Banks, AML/CFT requirements, and principles of fair customer treatment.

Key Responsibilities

Sales & Business Development:
Achieve monthly and quarterly targets related to customer acquisition, disbursement volume, and portfolio growth for Salary & Pension products. Identify and secure tie-ups with private employers, educational institutions, hospitals, factories, and other organizations for salary-based lending and salary account arrangements. Develop strong relationships with pension disbursing offices such as Accountant General and District Accounts Offices, EOBI, and pensioner associations to source and serve pensioner customers. Organize on-site sales camps, activations, and awareness sessions at employer locations and pension disbursement points. Generate and manage leads through branches, referrals, and institutional partnerships, ensuring timely disbursement within agreed turnaround times. Cross-sell additional Halan products including savings and current accounts, mobile banking/wallet, cards, and embedded insurance to Salary & Pension customers.

Product Expertise & Market Intelligence:
Serve as the subject-matter expert on Salary & Pension products, including eligibility criteria, loan limits, tenure, pricing, documentation, and insurance features. Collect feedback from customers, employers, and field teams while monitoring competitor offerings from microfinance and commercial banks. Provide recommendations for product, pricing, and process improvements to the Product team. Support Product and Marketing teams in launching new product variants, campaigns, and sales collateral.

Branch Enablement & Training:
Train and coach branch sales staff and loan officers on Salary & Pension products, sales techniques, documentation standards, and fair treatment of customers. Plan and execute branch-level sales drives, monitor branch productivity, and provide on-the-job support to branches that are underperforming.

Credit Quality, Risk & Compliance:
Ensure all loan applications are complete and accurate, including KYC/CDD, employment or pension verification, and salary/pension routing or deduction arrangements where applicable. Maintain compliance with the Bank’s credit policy, SBP Prudential Regulations for Microfinance Banks, AML/CFT regulations, and consumer protection guidelines. Monitor early delinquency within the sourced portfolio and collaborate with Credit and Collections teams to keep portfolio-at-risk within approved limits. Address customer queries and complaints related to Salary & Pension products, ensuring timely resolution.

Reporting:
Prepare and submit daily, weekly, and monthly management information system (MIS) reports covering pipeline, disbursements, portfolio status, delinquency, tie-ups, and branch productivity. Provide periodic updates to management on performance against targets, market developments, and key issues along with recommended actions.

Required Qualifications
Bachelor’s degree in Business Administration, Finance, Commerce, or a related field is required. A Master’s degree or MBA is preferred. Candidates should have 3 to 5 years of sales experience in consumer or microfinance lending, ideally with exposure to salary/payroll loans, pension products, or employer (institutional) banking. Experience working with microfinance banks, commercial banks (retail/consumer lending), or fintech companies is essential.

This role offers an opportunity to contribute significantly to the growth of specialized financial products while working closely with institutional partners and internal teams to ensure compliance, customer satisfaction, and business success.