Relationship Officer Asset

At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer Asset plays a crucial role in building and maintaining strong relationships between the bank and its customers. This position involves understanding clients’ unique financial needs and providing personalized guidance on various banking products and services. The Relationship Officer acts as a dedicated point of contact, assisting customers with account openings, product navigation, and addressing any concerns to ensure a seamless and tailored 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.
- Enhance profitability through loan sales and customer base expansion while adhering strictly to SOPs.
- Develop marketing strategies for company products and identify new business opportunities by evaluating industry prospects.
- Assess customers’ profiles using the five C’s of credit and clearly communicate product terms and conditions.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections, ensuring timely repayments and 100% recovery by maintaining effective communication with clients.
- Handle customers’ legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at cash counters and avoid cash handling during relationship officer duties, except when field collections comply strictly with the collection manual.
- Prepare weekly field activity plans and report deviations in consultation with the Line Manager.
- Conduct monthly and quarterly customer meetings as per product programs.
- Book loans in strict compliance with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and suggest improvements based on personal and client feedback.
- Conduct market research to identify new selling opportunities and evaluate existing markets in consultation with the line manager.
- Ensure internal service standards are met and prevent service-related complaints by following the bank’s fair treatment of customers policy.
- Build and sustain long-term relationships with customers.
- Report any suspected fraud or potential losses to the line manager or Head of Department.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial, operational, or market losses by adhering to internal control standards.

Required Qualifications

- Bachelor’s degree from a recognized institution.
- Preferably 0-1 year of experience in a related field.

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 dynamic team committed to financial inclusion through innovative digital and traditional banking channels.
- Engage in a workplace culture that values innovation, entrepreneurship, teamwork, and a customer-centric approach.
- Contribute to empowering millions with financial tools essential for success in the digital age.

Job Location: Daska

Mobilink Microfinance Bank Ltd. combines traditional microfinance with mobile and digital banking technologies, operating over 114 branches and 270,000 branchless banking agents. The bank offers a range of services including savings, microenterprise loans, housing loans, remittances, bill collections, mobile wallets, insurance, and various payment solutions, playing a vital role in promoting financial inclusion throughout Pakistan. This position offers a unique opportunity to be part of a transformative journey aimed at making a meaningful impact on customers’ financial well-being.