Relationship Officer Asset

Mobilink Microfinance Bank Ltd; Hala; On-site; PKR 334,800 - 558,000; Full time

Job summary

Mobilink Microfinance Bank Ltd is seeking a Relationship Officer Asset in Hala. This role fosters connections between the bank and customers, focusing on personalized assistance for financial needs.

The Relationship Officer will implement service plans, achieve sales targets ethically, and market various banking products, all while ensuring compliance with the bank’s standards. Candidates should hold a bachelor's degree and preferably have experience in a related field.

Qualifications

• Bachelor's degree from a reputable institution; MBA is preferable.
• 0–1 year of experience in a related field.

Responsibilities

• Implement sales/service plans to achieve growth objectives.
• Develop relationships with customers.
• Ensure ethical sales practices and target achievement.
• Market company's products and develop strategies.
• Conduct market assessments and identify business opportunities.

Skills

Relationship management

Sales skills

Persuasion and negotiation

Market assessment

Education

Bachelor's degree

MBA preferred

Job description

Overview

What is the Relationship Officer Asset – MMBL? In Mobilink Bank, a relationship officer asset sale plays a pivotal role in fostering meaningful connections between the bank and its customers. The role involves understanding the unique financial needs and goals of clients and serving as a dedicated point of contact for personalized assistance and guidance, from opening accounts to navigating financial products and addressing concerns. The goal is to provide tailored solutions that enhance the banking experience.

Responsibilities

• Implement the approved sales/service plans to achieve growth objectives of the bank by agreeing on micro-level sales/service delivery plans with BM/RM.
• Sells products by establishing contact and developing relationships with customers as per the bank’s defined SOP.
• Achieve target/objectives of sales in assigned areas with ethical practices by following SOPs.
• Ensure target achievement through genuine sales by avoiding family loaning, activist base lending, and adjustment lending.
• Make the company's business profitable through loan sales and increase the number of customers by following the bank’s SOPs.
• Market the company’s products and develop related strategy.
• Demonstrate aptitude for persuasion and negotiation.
• Identify business opportunities by evaluating prospects and industry position.
• Evaluate customers’ profiles using 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 communicating with clients and achieving 100% collections by following SOPs.
• Handle customers’ legal documents with extra care to avoid misuse.
• Guide customers to deposit loan repayments at the cash counter only.
• Avoid cash handling of customers while performing RO functions; ensure strict compliance with the collection manual when collecting from the field.
• Prepare weekly field activity planners and mark deviations in consultation with the LM.
• Ensure monthly/quarterly meetings with customers as per defined product programs.
• Conduct loan booking in strict compliance with bank policies, procedures, ethics, and standards.
• Continuously review product and service knowledge and recommend improvements through client feedback.
• Conduct market assessment and research to identify selling possibilities, new markets, and review existing markets for final decisions in consultation with the line manager.
• Meet internal service standards and ensure no service‑related complaints are received by following the bank’s fair treatment policy.
• Develop and sustain long‑lasting relationships between the bank and customers.
• Report fraud or prospective loss cases to the line manager/HOD.
• Ensure compliance with bank product SOPs and SBPs rules and regulations to safeguard the bank’s reputation and avoid financial, operational, and market loss by adopting internal control standards.

Qualifications

• Hold a bachelor’s degree from a reputable institution; an MBA is preferable.
• Preferably have at least 0–1 year of experience in a related field.

Location

Hala Branch

About MMBL

Mobilink Microfinance Bank Ltd. provides banking services to over 48 million registered users, including more than 20 million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile and digital banking technologies, MMBL operates through over 114 branches and 270,000 branchless banking agents, offering a USSD (GSM) based digital channel for savings, micro‑enterprise (MSME) loans, small housing loans, remittances, bill collections, mobile wallets, insurance, G2P, B2B, and B2P payments. MMBL is committed to fostering a positive and productive workplace and prioritizes innovation, teamwork, collaboration, and a customer‑centric approach.

Why Join MMBL?

This opportunity is ideal for someone who is passionate about making a difference and driving transformative change. The team is dedicated to empowering millions with the tools to succeed in the digital age, and the role offers a chance to play a key part in that effort.