Relationship Officer Asset

At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer Asset plays a crucial role in building and maintaining strong connections between the bank and its customers. This position involves understanding clients’ financial needs and goals to provide personalized support and guidance. The officer acts as a primary contact for customers, assisting with account openings, product navigation, and addressing concerns, all while delivering tailored solutions that enhance the overall banking experience.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating micro-level sales and service delivery plans with Branch Managers and Relationship Managers.
- Establish contact and develop relationships with customers to sell bank products in accordance with the bank’s Standard Operating Procedures (SOPs).
- Achieve sales targets ethically by avoiding practices such as family loaning, activist base lending, and adjustment lending.
- Drive profitability through loan sales and customer base expansion while strictly adhering to SOPs.
- Market company products and develop strategies to increase market penetration.
- Identify business opportunities by evaluating industry prospects and customer profiles using the five C’s of credit.
- Clearly communicate product terms and conditions to customers and ensure performance tracking through physical verification of prospective clients.
- Proactively manage loan collections by maintaining timely communication with clients, ensuring 100% loan repayment in line with SOPs.
- Handle customer legal documents with utmost care to prevent misuse and guide customers to make loan repayments at designated cash counters.
- Avoid direct cash handling during relationship officer functions; ensure strict compliance with collection manuals when collecting from the field.
- Prepare weekly field activity plans and report deviations in consultation with the Line Manager.
- Conduct monthly and quarterly customer meetings as per product program requirements.
- Ensure loan bookings comply fully with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Conduct market assessments to identify new sales opportunities and review existing markets in collaboration with the line manager.
- Maintain high internal service standards and ensure no customer complaints arise by following the bank’s fair treatment of customer policy.
- Develop and sustain long-term relationships with customers to promote loyalty and retention.
- Report any suspected fraud or potential losses to the line manager or Head of Department promptly.
- Ensure full compliance with bank product SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial or operational losses by strictly following internal control standards.

Required Qualifications

- Bachelor’s degree from a recognized institution is mandatory.
- MBA qualification is preferred.
- 0-1 year of relevant experience in a similar role is desirable.

Job Location

- Chakwal

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including more than 20 million active monthly customers across Pakistan. Operating through a hybrid model that integrates traditional microfinance with mobile and digital banking technologies, MMBL has over 114 branches and 270,000 branchless banking agents. The bank offers a range of services including savings, microenterprise loans, small housing loans, remittances, bill collections, mobile wallets, insurance, and various payment solutions. This positions MMBL as a leader in promoting financial inclusion nationwide.

Joining MMBL offers an exciting opportunity to contribute to transformative change in the financial sector. The bank fosters a positive and innovative work environment that values teamwork, entrepreneurship, and a customer-centric approach. If you are passionate about making a meaningful impact and empowering millions in the digital era, this role provides a platform to grow and succeed.