Relationship Officer Asset Sales

Mobilink Microfinance Bank Ltd; Sharjah; On-site; AED 60,000 - 120,000; Full time

Job summary

A financial services provider is seeking a Relationship Officer for Asset Sales in Sharjah. This role involves building relationships with customers, implementing sales strategies, and achieving sales targets. Ideal candidates have a Bachelor's degree, preferably an MBA, and up to one year of experience in the field. Join a team committed to fostering financial inclusion and offering innovative banking solutions.

Qualifications

• Bachelor’s degree from a reputable institution; MBA is preferable.
• 0-1 years’ experience in related field.

Responsibilities

• Implement sales/service plans to achieve growth objectives.
• Develop relationships with customers as per defined SOP.
• Ensure target achievement through genuine sales.
• Prepare weekly field activity planner and ensure compliance.

Skills

Persuasion

Negotiation

Sales Targets Achievement

Customer Relationship Management

Education

Bachelor's degree

MBA (preferable)

Job description

Overview

What is Relationship Officer Asset Sales - MMBL?

• In Mobilink Bank, a relationship officer asset sales plays a pivotal role in fostering meaningful connections between the bank and its customers. Tasked with understanding the unique financial needs and goals of clients, a Mobilink Bank relationship officer serves as a dedicated point of contact for personalized assistance and guidance. Whether it's opening accounts, navigating financial products, or addressing concerns, they are adept at providing tailored solutions to enhance the banking experience.

Responsibilities

• Implement the approved sales/service plans to achieve growth objectives of the bank by agreeing micro level sales/service delivery plans with BM/RM.
• Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank.
• Achieve targets/objectives of sales in assigned areas with best ethics and moral practices by following SOPs.
• Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.
• Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.
• Marketing of company products and develop strategy in this regard.
• Aptitude for persuasion and negotiation.
• Identify business opportunities by identifying prospects and evaluating the position of the industry.
• Evaluate customer profiles by adopting the five C’s of credit.
• Disseminate terms and conditions of the products offered to customers.
• Ensure on-track performance by conducting physical verification of prospective clients.
• Ensure proactive collection and timely repayment of loans by communication with clients and ensuring 100% collections by following SOPs of the bank.
• Handle customers' legal documents with care to avoid misuse.
• Guide customers to deposit their loan repayments at the cash counter only.
• Avoid cash handling of any customers; if collection from field is needed, ensure strict compliance with the collection manual.
• Prepare weekly field activity planner and mark deviations in consultation with LM.
• Ensure monthly/quarterly meetings of customers as per defined products program.
• Conduct loan booking in strict compliance with bank policies, procedures, ethics, and standards.
• Continuously review product and service knowledge and recommend areas of improvement through personal/client feedback.
• Conduct market assessment/research to identify selling opportunities and new markets/areas and review existing markets/areas for final decisions in consultation with line manager.
• Meet internal service standards and ensure no service-related complaints by following the bank’s fair treatment of customers policy.
• Develop and sustain long-lasting relationships between the bank and customers.
• Report cases with intent of fraud or prospective loss to the bank by internal or external customers to the line Manager/HOD.
• Ensure compliance with bank product SOPs and SBP rules to safeguard the bank’s reputation and avoid financial, operational and market losses by adopting internal control standards.

Qualifications

• Hold a Bachelor’s degree from a reputable institution; MBA is preferable.
• Preferably 0-1 years’ experience in related field.

About MMBL

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in promoting financial inclusion. MMBL is committed to fostering a positive and productive workplace, prioritizing innovation, teamwork, collaboration, and a customer-centric approach in all aspects of its business.

Why Join MMBL?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we’re looking for a talented individual to join us in this endeavor.