Relationship Manager Asset

Mobilink Microfinance Bank Ltd; Moro; On-site; PKR 558,000 - 781,200; Full time

Job summary

A microfinance institution is seeking a Relationship Manager in Asset Sales. This role requires strategic oversight of client relationships, ensuring compliance with bank regulations and achieving sales targets. The ideal candidate should have a Bachelor's degree and at least 3 years of experience in the microfinance industry. Responsibilities include driving profitability through loan sales, developing marketing strategies, and maintaining customer relationships. Candidates must be skilled in sales and negotiation with a strong understanding of financial principles.

Qualifications

• Bachelor's degree from a reputable institution; MBA preferred.
• Minimum 3 years of experience in the microfinance industry.

Responsibilities

• Implement sales/service plans to achieve growth objectives.
• Develop relationships with customers per the bank’s SOPs.
• Drive profitability through loan sales and customer expansion.
• Maintain and verify customer profiles for credit evaluations.
• Ensure compliance with bank product SOPs and regulations.

Skills

Sales and negotiation skills

Customer relationship management

Market assessment

Financial knowledge

Education

Bachelor’s degree from a reputable institution

MBA preferred

Job description

What is Relationship Manager Asset – MMBL?

In Mobilink Microfinance Bank Ltd., a Relationship Manager in Asset Sales is responsible for strategic oversight and personalized financial stewardship of client relationships. The role combines financial expertise with a customer‑centric approach, creating bespoke solutions that align with clients’ long‑term goals.

Responsibilities

• Implement approved sales/service plans to achieve growth objectives, agreeing on micro‑level plans with Branch Manager/Relationship Manager.
• Sell products by establishing contact and developing relationships with customers per the bank’s SOPs.
• Achieve sales targets in assigned areas while upholding ethical and moral practices.
• Ensure target achievement through genuine sales, avoiding family loaning, activist base lending, and adjustment lending.
• Drive profitability through loan sales and customer expansion, following SOPs.
• Market company products and devise marketing strategies.
• Utilize persuasion and negotiation skills.
• Identify business opportunities by evaluating prospects and industry positioning.
• Assess customer profiles using the five Cs of credit.
• Disseminate terms and conditions of offered products.
• Maintain on‑track performance by physically verifying prospective clients.
• Facilitate proactive collections, ensuring timely repayment and targeting 100% loan collections per SOPs.
• Exercise careful handling of customers’ legal documents to prevent misuse.
• Guide customers to repay loans at cash counters only, adhering to strict collection manual compliance.
• Prepare weekly field activity planners and highlight deviations in consultation with the LM.
• Schedule monthly/quarterly customer meetings per defined product programs.
• Conduct loan booking in strict compliance with the bank’s policies, procedures, ethics, and standards.
• Continuously review product and service knowledge, recommending improvements via personal/client feedback.
• Perform market assessment/research to identify selling possibilities and new markets, reviewing existing areas for final decisions in collaboration with the line manager.
• Meet internal service standards, ensuring no service‑related complaints arise, following the bank’s fair treatment of customer policy.
• Develop and sustain long‑lasting relationships with customers.
• Report potential fraud or loss cases to the line manager/HOD.
• Ensure compliance with bank product SOPs, SBP regulations, and internal controls to safeguard the bank’s reputation.
• Lead the branch to achieve profitability objectives, selling asset products while adhering to MMBL policies and SBP regulations.
• Implement sales plans based on market assessment of potential.
• Develop relationship strategies for the assigned branch/area, focusing on verification, loan disbursement, collection, and cross‑sell.
• Manage the asset portfolio, achieving targets through timely sales, verification, and collection.
• Motivate the team to maximize business volumes and employee retention.
• Market bank products and prepare sales strategies considering targets and market demands.
• Act as Line Manager for Relationship Officers – Asset Sales, providing training and first‑line credit review support.
• Manage, develop, coach, control, and motivate the sales force to meet professional standards and KPI targets.
• Plan capacity to meet loan volumes and zero default through effective verification, collection, and cross‑sell.
• Deploy resources to align with business priorities and maximize each team member’s productivity.
• Coordinate with operations to ensure timely loan disbursals and cancellations following SOPs.

Qualifications

• Bachelor’s degree from a reputable institution; MBA preferred.
• Minimum 3 years of experience in the microfinance industry.