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’ 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, loan processes, 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.
- Drive profitability by increasing loan sales and expanding the customer base while strictly following SOPs.
- Market company products effectively and contribute to strategic planning in this area.
- Utilize strong persuasion and negotiation skills to identify and capitalize on business opportunities by evaluating industry prospects.
- Assess customer 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 by maintaining timely communication with clients and ensuring 100% loan repayment compliance.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at cash counters and avoid cash handling during routine Relationship Officer functions; ensure strict compliance with collection manuals during field collections.
- Prepare weekly field activity plans and report deviations in consultation with the Line Manager.
- Organize monthly and quarterly customer meetings aligned with product programs.
- Conduct loan bookings in strict compliance with bank policies, ethics, and standards.
- Continuously update product and service knowledge and recommend improvements based on client feedback.
- Conduct market assessments and research to identify new sales opportunities and review existing markets in coordination with the line manager.
- Maintain high internal service standards to prevent customer complaints, adhering to the bank’s fair treatment of customers policy.
- Develop and sustain long-term relationships with customers to enhance loyalty and trust.
- Report any suspected fraud or potential losses involving internal or external customers to the Line Manager or Head of Department.
- Ensure full compliance with bank product SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and avoid financial or operational losses by strictly following internal control standards.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- MBA qualification is preferred.
- 0-1 years of relevant experience in a related field is desirable.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including more than 20 million active monthly customers across Pakistan. Combining traditional microfinance with mobile and digital banking technologies, MMBL operates through 114 branches and 270,000 branchless banking agents. The bank offers a range of services including savings, MSME loans, small housing loans, remittances, bill payments, mobile wallets, insurance, and various payment solutions, playing a leading role in promoting financial inclusion nationwide.

MMBL fosters a positive and productive workplace culture centered on innovation, entrepreneurship, teamwork, collaboration, and a customer-centric approach.

Why Join MMBL?

This role offers a unique opportunity to contribute to transformative change by empowering millions with digital financial tools. If you are passionate about making a meaningful impact and growing your career in a dynamic environment, MMBL welcomes you to join their dedicated team.