Relationship Manager Asset

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Manager - Asset Sales to play a pivotal role in managing and expanding client relationships through personalized financial solutions. This position requires a strategic approach to asset sales, focusing on understanding clients’ financial goals and delivering tailored banking products. The Relationship Manager will be responsible for driving growth by implementing sales plans, ensuring compliance with bank policies, and leading a team to achieve profitability and customer satisfaction. This role demands a balance of financial expertise, customer service excellence, and leadership in a dynamic microfinance environment.

Key Responsibilities

- Implement approved sales and service plans to meet growth objectives by coordinating with Branch Managers and Relationship Managers.
- Develop and maintain customer relationships by selling bank products in line with the bank’s standard operating procedures (SOPs).
- Achieve sales targets ethically, avoiding practices such as family loaning or activist lending.
- Market bank products effectively and develop strategies to increase customer base and profitability.
- Identify business opportunities through market evaluation and customer profiling using the five Cs of credit.
- Ensure accurate communication of product terms and conditions to customers.
- Conduct physical verification of prospective clients to maintain on-track performance.
- Proactively manage loan collections, ensuring timely repayments and 100% collection rates while adhering to SOPs.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments through proper channels, avoiding direct cash handling except under strict compliance during field collections.
- Prepare weekly field activity plans and monitor deviations in consultation with the Line Manager.
- Organize monthly and quarterly customer meetings as per product programs.
- Conduct loan bookings strictly following bank policies, ethics, and standards.
- Continuously update knowledge of products and services, recommending improvements based on feedback.
- Perform market research to identify new selling opportunities and review existing markets.
- Maintain high internal service standards to prevent customer complaints, adhering to the bank’s fair treatment policy.
- Build and sustain long-term customer relationships.
- Report any suspected fraud or potential losses to management promptly.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation.
- Lead microcredit business operations, including sales, verification, and collection, to meet branch profitability targets.
- Develop and implement relationship strategies focusing on loan disbursement, verification, collection, and cross-selling.
- Motivate and manage the sales team, including Relationship Officers, ensuring high productivity and professional standards.
- Train and assist Relationship Officers in credit review and customer assessment.
- Plan and allocate resources efficiently to meet business priorities and maximize team productivity.
- Coordinate with operations for timely loan disbursement and cancellation processes.

Required Qualifications

- Bachelor’s degree from a recognized institution.
- Minimum of 3 years’ experience in the microfinance industry.

Preferred Qualifications and Benefits

- An MBA degree is preferred.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Be part of a forward-thinking bank that combines traditional microfinance with digital banking technologies.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Contribute to financial inclusion and empower millions through digital and mobile banking solutions.

This role offers a unique chance to make a meaningful impact by driving transformative change in the microfinance sector while advancing your career in a supportive and dynamic environment.