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, providing personalized assistance, and guiding them through various banking products and services. The Relationship Officer acts as a trusted point of contact, ensuring a seamless and tailored banking experience while supporting the bank’s growth objectives through effective sales and service delivery.

Key Responsibilities

- Implement approved sales and service plans to achieve the bank’s growth targets by coordinating with Branch Managers and Relationship Managers.
- Establish and develop 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.
- Drive profitability by increasing loan sales and expanding the customer base while adhering strictly to SOPs.
- Market company products and develop strategic approaches to enhance outreach.
- Utilize 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 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 designated cash counters and avoid direct cash handling, except under strict compliance during field collections.
- Prepare weekly field activity plans and report deviations in consultation with Line Managers.
- Organize monthly and quarterly customer meetings as per product programs.
- Ensure loan bookings comply fully with the bank’s policies, procedures, ethics, and standards.
- Continuously update product and service knowledge and suggest improvements based on client feedback.
- Conduct market research to identify new sales opportunities and evaluate existing markets in collaboration with line management.
- Maintain high internal service standards to prevent customer complaints, following the bank’s fair treatment policy.
- Foster long-term relationships with customers to enhance loyalty and retention.
- Report any suspected fraud or potential losses to line managers or heads of departments promptly.
- Ensure full compliance with bank SOPs and regulatory requirements to protect the bank’s reputation and prevent financial or operational risks.

Required Qualifications

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

Preferred Qualifications and Benefits

- An MBA degree is preferred, adding value to the candidate’s profile.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Be part of a dynamic team committed to financial inclusion through innovative digital and traditional banking solutions.
- Engage in a workplace culture that promotes innovation, teamwork, and a customer-centric approach.
- Play a key role in empowering millions by contributing to transformative change in the financial sector.

Job Location: Sargodha Branch

Mobilink Microfinance Bank Ltd. combines traditional microfinance with cutting-edge digital banking technologies, operating through an extensive network of branches and agents nationwide. The bank offers a wide range of products including savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and various payment services. Joining MMBL means becoming part of a forward-thinking organization dedicated to fostering financial inclusion and delivering exceptional customer experiences.