Relationship Officer Asset

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Officer Asset to join its team at the Rahim Yar Khan branch. This role is crucial in building and maintaining strong relationships between the bank and its customers by understanding their financial needs and providing personalized guidance. The Relationship Officer will act as a dedicated point of contact, assisting clients with account openings, product navigation, and resolving concerns while offering tailored financial solutions to enhance their banking experience.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth objectives by coordinating with Branch Managers and Relationship Managers.
- Develop and maintain customer relationships by selling bank products in accordance with the bank’s Standard Operating Procedures (SOPs).
- Achieve sales targets ethically, avoiding practices such as family loaning, activist base lending, and adjustment lending.
- Increase company profitability through loan sales and customer base expansion while adhering strictly 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 and ensure timely repayments by maintaining regular communication with clients.
- Handle customer legal documents with utmost care to prevent misuse.
- Guide customers to make loan repayments at cash counters and avoid direct cash handling during relationship officer functions, ensuring 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.
- Ensure loan bookings comply fully with bank policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and suggest improvements based on client feedback.
- Conduct market assessments and research to identify new sales opportunities and evaluate existing markets in coordination with the line manager.
- Maintain high internal service standards to avoid customer complaints, adhering to the bank’s fair treatment of customers policy.
- Foster long-term relationships between the bank and its customers.
- Report any suspected fraud or potential losses to the line manager or Head of Department.
- Ensure strict compliance with bank product SOPs and State Bank of Pakistan regulations to protect the bank’s reputation and prevent financial or operational losses by following internal control standards rigorously.

Required Qualifications

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

Preferred Qualifications and Benefits

- An MBA degree is considered an advantage.
- Joining MMBL offers the opportunity to be part of a leading financial institution that serves over 48 million registered users across Pakistan through a hybrid model of traditional microfinance and digital banking.
- The bank operates with more than 114 branches and 270,000 branchless banking agents, providing a wide range of services including savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and various payment solutions.
- MMBL is committed to fostering a positive and productive workplace culture that values innovation, teamwork, entrepreneurship, and a customer-centric approach.
- This role offers a chance to contribute meaningfully to financial inclusion and empower millions in the digital age through transformative banking solutions.

This position is ideal for a motivated individual passionate about making a difference and driving positive change in the financial services sector.