Relationship Officer Asset

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Officer Asset to play a crucial role in building and maintaining strong relationships with customers. This position involves understanding clients’ unique financial needs and providing personalized guidance to enhance their banking experience. The Relationship Officer will act as a primary point of contact, assisting customers with account openings, product navigation, and addressing any concerns while ensuring compliance with the bank’s policies and ethical standards.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating 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 by increasing loan sales and expanding the customer base while adhering to SOPs.
- Market bank products effectively and contribute to strategy development.
- Utilize strong persuasion and negotiation skills to identify and capitalize on business opportunities.
- Evaluate customer profiles using the five C’s of credit and communicate product terms and conditions clearly.
- Conduct physical verification of prospective clients to ensure on-track performance.
- Proactively manage loan collections, ensuring timely repayments and 100% collection rates through effective client communication.
- Handle customer legal documents with extra care to prevent misuse.
- Guide customers to deposit loan repayments at cash counters and avoid direct cash handling, except under strict compliance during field collections.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Organize monthly and quarterly customer meetings as per product programs.
- Ensure loan bookings comply strictly with bank policies, procedures, ethics, and standards.
- Continuously update product and service knowledge, recommending improvements based on feedback.
- Conduct market research to identify new selling opportunities and assess existing markets in collaboration with line managers.
- Maintain high internal service standards and ensure no 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 avoid financial or operational losses.

Required Qualifications

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

Preferred Qualifications and Benefits

- An MBA degree is preferred.
- Opportunity to work with a leading microfinance institution that serves over 48 million registered users across Pakistan.
- Be part of a hybrid banking model combining traditional microfinance with digital banking technologies.
- Work in a dynamic environment that promotes innovation, teamwork, and a customer-centric approach.
- Contribute to financial inclusion efforts by empowering millions through accessible banking services.

This role is ideal for individuals passionate about making a meaningful impact and driving transformative change in the financial sector. Joining MMBL means becoming part of a committed team focused on delivering innovative solutions and fostering financial empowerment in the digital age.