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 goals, providing personalized assistance, and guiding them through various banking products and services. The Relationship Officer acts as a trusted point of contact, helping customers open accounts, navigate financial solutions, and address any concerns to enhance their 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.
- Develop customer relationships and 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 strictly to SOPs.
- Market bank products effectively and develop strategies to enhance outreach.
- Demonstrate 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.
- Ensure timely loan repayments through proactive communication and follow-up, maintaining 100% collection rates in line with bank policies.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to deposit loan repayments at designated cash counters and avoid direct 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 as per product programs.
- Conduct loan bookings in strict compliance with the bank’s 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 consultation with the line manager.
- Maintain high internal service standards to prevent customer complaints, adhering to the bank’s fair treatment of customers policy.
- Foster long-term relationships with customers to enhance loyalty and satisfaction.
- Report any suspected fraud or potential losses to the line manager or Head of Department promptly.
- Ensure full compliance with bank 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.
- 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 registered users across Pakistan.
- Be part of a dynamic team dedicated to financial inclusion through innovative digital and mobile banking solutions.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Play a vital role in empowering millions by providing access to financial tools essential for success in the digital economy.

This role is based at the Khushab Branch and offers a unique chance to contribute to transformative change within the financial sector while developing your career in a supportive and forward-thinking environment.