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 goals, serving as a dedicated point of contact for personalized assistance. The officer supports customers in opening accounts, navigating financial products, and resolving concerns, all while delivering tailored solutions to enhance their 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 through loan sales and increasing the customer base while strictly following bank SOPs.
- Market company products and contribute to strategy development for product promotion.
- Demonstrate strong persuasion and negotiation skills to identify business opportunities and evaluate 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 on-track performance.
- Proactively manage loan collections by maintaining timely communication with clients and ensuring 100% repayment compliance.
- Handle customer legal documents with extra care to prevent misuse and guide customers to make loan repayments at designated cash counters.
- Avoid direct cash handling during relationship officer functions; ensure strict compliance with collection manuals when collecting from 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 adherence to bank policies, procedures, ethics, and standards.
- Continuously update product and service knowledge, recommending improvements based on client feedback.
- Perform market research and assessment to identify new selling opportunities and review existing markets in coordination with line management.
- Maintain internal service standards and ensure no service-related complaints by adhering to the bank’s fair treatment of customers policy.
- Build and sustain long-term 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 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 recognized institution is mandatory.
- Preferably 0-1 year of relevant experience in a similar role.

Preferred Qualifications and Benefits

- An MBA degree is preferred and will be 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 driving financial inclusion through innovative mobile and digital banking solutions.
- Engage in a workplace culture that values innovation, teamwork, and a customer-centric approach.
- Contribute to empowering millions with digital tools and financial services that promote economic growth and inclusion.

Job Location: Sargodha Branch

Mobilink Microfinance Bank Ltd. combines traditional microfinance with cutting-edge digital banking technologies, operating through a vast network of branches and agents. The bank offers a wide range of products including savings, microenterprise loans, housing loans, remittances, mobile wallets, insurance, and payment services, playing a vital role in Pakistan’s financial ecosystem. Joining MMBL means becoming part of a forward-thinking organization committed to transformative change and customer empowerment.