Asset Relationship Officer - Microfinance Loans Growth

Mobilink Microfinance Bank Limited; Alipur; On-site; PKR 335,000 - 558,000; Full time

Job summary

Mobilink Microfinance Bank Limited (MMBL) is seeking a Relationship Officer Asset at the Alipur Branch to drive customer engagement, assess financial needs, and promote bank products. The role focuses on building durable client relationships, ensuring compliant loan processing, and meeting sales targets in a field-based setting.

Ideal candidates hold a Bachelor’s degree (MBA preferred) with 0–1 years’ related experience, and possess skills in persuasion, negotiation, and customer relationship

Qualifications

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

Responsibilities

• Implement the approved sales/service plans to achieve growth objectives of 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.
• Achievement of 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 make strategy in this regards
• Aptitude for persuasion and negotiation
• Identifies business opportunities by identifying prospects and evaluation of position of the industry.
• Evaluation of customer’s profile by adopting of five C’s of credit.
• Dissemination of terms and conditions of the products offered by the customers.
• Ensuring on track performance by conducting physical verification of the prospective clients.
• Ensure proactive collection, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank
• Extra care must be taken while handling of customers legal documents to avoid any misuse.
• Guide customers to deposit their loan repayments at cash counter only.
• Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field proper strict compliance of collection manual must be ensured.
• Preparation of weekly field activity planner and deviation marking in consultation with LM.
• Ensure Monthly/Quarterly meeting of customers as per defined products program.
• Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.
• Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback.
• Conduct market assessment/research to identify selling possibilities and new markets / areas and review the existing market / areas for final decisions in consultation with line manager.
• Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy.
• Developing and sustaining long-lasting relationship of the bank with customers
• Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line Manager/HOD.
• Ensure compliance of bank products SOPs and SBPs rules and regulation to safeguards reputation of the bank to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.

Skills

Persuasion

Negotiation

Customer relationship

Education

Bachelor’s degree

MBA preferable

Job description

Mobilink Microfinance Bank Limited (MMBL) is seeking a Relationship Officer Asset at the Alipur Branch to drive customer engagement, assess financial needs, and promote bank products. The role focuses on building durable client relationships, ensuring compliant loan processing, and meeting sales targets in a field-based setting.

Ideal candidates hold a Bachelor’s degree (MBA preferred) with 0–1 years’ related experience, and possess skills in persuasion, negotiation, and customer relationship