Relationship Officer Deposit

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a dedicated Relationship Officer for Deposit Banking to manage and grow relationships with individual and corporate clients. This role focuses on acquiring new customers, retaining existing ones, and ensuring clients’ deposit needs are met efficiently. The ideal candidate will contribute to building a strong deposit portfolio while supporting the bank’s overall growth objectives through effective customer engagement and cross-selling strategies.

Key Responsibilities
- Execute customer acquisition processes to build a healthy liability portfolio and meet cross-sell targets.
- Develop and maintain a portfolio of Current Account, Savings Account (CALSA), and Term Deposit (TD) customers within agreed timelines.
- Achieve assigned portfolio targets for CALSA, SA, and TD products on a weekly, monthly, quarterly, and annual basis.
- Recruit and onboard freelancers and brand ambassadors to form a deposit mobilization team of approximately 25 members focused on retail deposit marketing.
- Ensure the portfolio mix between CASA (Current Account and Savings Account) and Term Deposits meets targeted percentages.
- Drive retail deposit growth by promoting fairly priced deposit products across multiple accounts.
- Establish and nurture strong relationships with key potential clients, converting these into ongoing business partnerships.
- Comply with bank policies, procedures, and strategies while coordinating with internal branch units to meet objectives.
- Monitor daily deposit mobilization and new-to-bank (NTB) account opening rates.
- Identify client challenges and collaborate with Relationship Managers or Branch Managers to address their needs effectively.
- Seek opportunities to cross-sell or upsell additional products and services to existing clients.
- Keep abreast of competitor activities to proactively retain MMBL clients.
- Deliver excellent customer service to uphold the bank’s positive reputation.
- Resolve customer complaints promptly and professionally.
- Complete any additional tasks or assignments as directed by the Line Manager efficiently and effectively.

Required Qualifications
- Bachelor’s degree from a reputable institution in Business Administration, Commerce, Accounting, Marketing, Economics, Finance, or an equivalent field.
- Strong understanding of deposit products and their operational mechanics.
- Knowledge of CASA fundamentals and strategies to achieve CASA growth.
- Minimum of one year of relevant experience in sales, management, or operations within retail/consumer banking or a related industry.

Preferred Qualifications and Benefits
- Experience in retail banking or microfinance sectors will be an advantage.
- Opportunity to work with a leading microfinance institution serving over 48 million registered users across Pakistan.
- Be part of a hybrid banking model combining traditional microfinance with innovative mobile and digital banking technologies.
- Join a collaborative and customer-centric workplace that values innovation, entrepreneurship, and teamwork.
- Play a key role in promoting financial inclusion and empowering millions through digital financial services.

Job Location: Chakwal

MMBL operates over 114 branches and 270,000 branchless banking agents nationwide, offering a wide range of services including savings, MSME loans, housing loans, remittances, mobile wallets, insurance, and various payment solutions. Joining MMBL means contributing to a transformative mission that supports financial empowerment and inclusion in Pakistan’s digital age.