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 focuses on understanding clients’ financial needs and providing personalized assistance to help them navigate various banking products and services. The Relationship Officer acts as a trusted advisor, ensuring customers receive tailored solutions that enhance their overall banking experience while supporting the bank’s growth objectives.

Key Responsibilities
- Implement approved sales and service plans to achieve the bank’s growth targets by coordinating with Branch Managers and Relationship Managers.
- Develop and maintain customer relationships by proactively selling 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 adhering strictly to SOPs.
- Market bank products effectively and contribute to strategy development for product promotion.
- 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 physical verification of prospective clients to maintain performance standards.
- Facilitate timely loan repayments through proactive communication, ensuring 100% collection rates in line with bank policies.
- Handle customer legal documents with utmost care to prevent misuse and guide customers to make repayments at authorized cash counters.
- Avoid direct cash handling during relationship officer duties, except when following strict collection manual guidelines during field collections.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Conduct regular customer meetings as per product programs and ensure loan bookings comply with bank policies, ethics, and standards.
- Continuously update product knowledge and recommend improvements based on client feedback.
- Conduct market research to identify new sales opportunities and assess existing markets in collaboration with management.
- Maintain high internal service standards to prevent customer complaints by adhering to the bank’s fair treatment policies.
- Build and sustain long-term relationships with customers to foster loyalty and trust.
- Report any suspected fraud or potential losses to the appropriate management promptly.
- Ensure full compliance with bank SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and minimize risks.

Required Qualifications
- Bachelor’s degree from a recognized institution is mandatory.
- 0-1 years of relevant experience in a similar role is preferred.

Preferred Qualifications and Benefits
- An MBA degree is considered an advantage.
- Opportunity to work with a leading microfinance institution serving over 48 million users nationwide.
- Be part of a dynamic team committed to financial inclusion through innovative digital and branchless banking solutions.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Contribute to empowering millions with access to essential financial services in the digital era.

This role is based at the Gujranwala branch and offers a unique chance to make a meaningful impact by supporting customers in achieving their financial goals while driving the bank’s mission forward.