General Banking Officer

Mobilink Microfinance Bank Ltd; Model Town; On-site; PKR 446,000 - 781,000; Full time

Job summary

A leading microfinance institution in Pakistan is seeking a skilled General Banking Officer to provide exceptional customer service and manage various banking operations. The role involves account opening, processing transactions, and handling customer complaints while ensuring adherence to banking regulations. The ideal candidate should have a bachelor’s degree and at least 2 years of relevant experience. This position offers a chance to contribute to the bank's mission of promoting financial inclusion and leveraging digital banking technologies.

Qualifications

• Minimum of 2 years' relevant work experience is required.
• Ability to handle customer complaints effectively.
• Experience in processing non-financial transactions.

Responsibilities

• Provide efficient customer service and handle banking operations.
• Assist in maintaining fixed assets and manage customer queries.
• Perform non-financial transactions with accuracy according to SOP.
• Ensure effective branch operations and handle account opening processes.
• Prepare reports for CSM and Head Office.
• Refer customers to appropriate services.
• Ensure compliance with banking regulations and procedures.

Skills

Customer service

Banking operations

Problem-solving

Attention to detail

Communication

Education

Bachelor's degree in relevant field

Job description

Overview

General Banking Officer is responsible for providing efficient customer service and handling various banking operations at the branch level. They handle account opening, manage customer queries, and process non-financial transactions accurately. They also assist in maintaining fixed assets inventory, security stationery, and administrative support. Additionally, they handle customer complaints, refer customers to appropriate services, and ensure compliance with banking regulations and procedures.

Responsibilities

• Ensure effective and efficient handling of customers in the branch and provide services according to the laid down service and quality indicators.
• Work in all operations segments of the branches as an inputter/maker level. Handle account opening and related processes & operations including but not limited to dormancy marking/removal, stop payments marking/revoking, account closures, SOA issuance, loan account opening and closing, deceased marking/removal, Level Migration etc. for Core and Jazz Cash Customers; participate in Gold Loan assessments.
• Prepare deceased customer cases refund and maintain records; manage customer queries efficiently. Review and monitor service indicators assigned to the branch and take effective steps for achievement.
• Perform all types of non-financial transactions with accuracy as per SOP. Guide walk-in customers properly and cross-sell bank products. Prepare all types of reports for submission to CSM and Head Office.
• Verify the entire inventory of Fixed Assets by physical check annually and reconcile fixed assets register. Be custodian of security stationery and its balancing. Provide administrative support of the branch in liaison with CSM/BM. Handle customer complaints, provide appropriate solutions within TAT.
• Prepare and maintain all types of registers/records up to date. Review Sundry and Suspense accounts for reconciliation. Scan and upload SS cards daily. Input Clearing instruments and their return marking. Refer customers to appropriate banking services and representatives; issue/Destruction of cheque books, Bankers Cheques and TDR, and balancing.
• Custodian of received cheque books/ATM cards and their delivery/maintenance as per SOP to work as backup of Teller. Ensure accuracy of cash sorting as per SBP Clean notes policy. Process Cash Deposits and withdrawals (per Ops Manual). Identify and report Counterfeited Notes. Accurately process all Cheque deposits (outward clearing instruments). Ensure cash exchanges between Tellers as needed.
• Ensure Cash Transfer from till to Vault and vice versa at Start of Day and End of Day. Perform all FT's, TT's and clearing entries with accuracy. Balance cash at end of day (Physical cash with system T24). Maintain Cash Balancing register & preparation of Teller Daily Cash Record; SBP Sheet; Vault Position, Average Sheet & other cash-related reports. Be custodian of allocated Keys and Stamps. Any other responsibility assigned by LM.

Requirements

• Hold a Bachelor's degree from a reputable Institution in relevant field
• Have a minimum of 2 years' relevant work experience.

Job Locations

• Allama Iqbal Town Lahore Branch

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 now 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 the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our 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.