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 support throughout their banking journey. From assisting with account openings to guiding customers through various financial products and addressing their concerns, the Relationship Officer ensures a seamless and tailored banking experience that fosters trust and long-term relationships.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating micro-level sales and service delivery with Branch Managers and Relationship Managers.
- Promote and sell bank products by establishing contact and developing relationships with customers in accordance with the bank’s Standard Operating Procedures (SOPs).
- Achieve sales targets ethically by avoiding practices such as family loaning, activist-based lending, and adjustment lending.
- Enhance profitability through loan sales and increasing the customer base while strictly following SOPs.
- Develop marketing strategies for company products and demonstrate strong persuasion and negotiation skills.
- Identify business opportunities by evaluating prospects and analyzing industry positioning.
- 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 performance remains on track.
- Proactively manage loan collections by maintaining timely communication with clients and ensuring 100% repayment adherence.
- Handle customers’ legal documents with extra 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 when collecting in the field.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Organize monthly and quarterly customer meetings aligned with product programs.
- Conduct loan bookings 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.
- Perform market assessments and research to identify new selling opportunities and review existing markets in consultation with line managers.
- Maintain high internal service standards and ensure no service-related complaints by adhering to the bank’s fair treatment of customers policy.
- Build and sustain long-lasting relationships between the bank and its customers.
- Report any suspected fraud or potential losses to the line manager or Head of Department promptly.
- Ensure full compliance with bank product SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial, operational, or market losses by strictly following internal control standards.

Required Qualifications

- Bachelor’s degree from a reputable institution is mandatory.
- Preferably 0-1 years of relevant experience in a similar role.
- An MBA qualification is considered an advantage.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including more than 20 million monthly active customers across Pakistan. Operating through a hybrid model that integrates traditional microfinance with mobile and digital banking technologies, MMBL has over 114 branches and 270,000 branchless banking agents. The bank offers a variety of services such as savings, microenterprise loans, small housing loans, remittances, bill collections, mobile wallets, insurance, and government-to-person (G2P) payments. MMBL is a leader in promoting financial inclusion and innovation throughout the country.

Why Join MMBL?

Joining MMBL means becoming part of a forward-thinking team dedicated to empowering millions with digital financial tools. The bank fosters a positive and collaborative work environment that values innovation, entrepreneurship, and a customer-centric approach. This role offers a unique opportunity to contribute to transformative change and make a meaningful impact in the financial sector.