Relationship Officer Deposit

Mobilink Microfinance Bank Ltd; Kohat; On-site; PKR 360,000 - 600,000; Full time

Job summary

Mobilink Microfinance Bank Ltd in Kohat is hiring a Relationship Officer Deposit to grow our retail deposit portfolio and cross-sell products. You will acquire new clients, nurture relationships, and ensure CASA and term deposits targets are met in a compliant manner.

The role requires a Bachelor’s degree and a basic understanding of deposit products; prior sales or banking exposure is preferred. You will work within a branch team, deliver excellent service, and support overall bank objectives.

Qualifications

• Bachelor's degree in business/commerce/economics or equivalent.
• Knowledge of CASA and deposit products.
• 1+ year of relevant sales/retail banking experience preferred.

Responsibilities

• Execute customer acquisition to build liability growth and cross-sell targets.
• Develop a CASA/TD portfolio within the agreed timeframe.
• Achieve portfolio targets across CASA/SA/TD on various horizons.
• Onboard freelancers/brand ambassadors to form a deposit mobilization team.
• Maintain relationships with key clients and address their needs.

Skills

Relationship management

Sales

Cross-selling

Customer service

Education

Bachelor's degree

Job description

• What is Relationship Officer Deposit - MMBL?
  • In Mobilink Bank, a Relationship Officer in Deposit Banking is typically responsible for managing relationships with individual and corporate clients regarding their deposit accounts. Their primary focus is on acquiring new clients, retaining existing ones, and ensuring that clients' deposit banking needs are met effectively.
• What Relationship Officer Deposit - MMBL does?
  • Responsible for execution of customer acquisition process in order to build a healthy portfolio for liability growth and cross sell targets of the team.
  • Ensure to build up a CALSA / TD customer portfolio within agreed time period.
  • Ensure overall assigned portfolio targets are achieved product wise CALSA / SA / TD on weekly/monthly/quarterly and annual basis.
  • Take onboard Free Lancers / Brand Ambassador to make a deposit mobilization team of 25 head counts for retail deposit marketing.
  • Ensure targeted percentage of portfolio mix i.e. between CASA and Term Deposit is achieved.
  • Achieve fairly priced deposit to support retail deposit growth on the back of multiple accounts.
  • Establish and maintain good relationships with key potential clients, and develop these into successful, ongoing business relationships.
  • Ensure the objectives are met within Bank policies, procedures, strategies and maintain coordination with internal units of the branch.
  • Ensure deposit mobilization and NTB Account Opening run rate on daily basis.
  • Understand the problems and challenges of clients and seek help from RM/BM to better address those needs.
  • Seek opportunities to cross-sell or upsell to existing clients.
  • Monitor and assess the activities of our competitors to proactively satisfy and retain MMBL clients.
  • Provide excellent service to maintain a positive reputation for the business.
  • Resolve any customer complaints promptly and professionally.
  • Any task/ assignment assigned by Line Manager to be completed in efficient and effective manner.
• What are we looking for and what does it require to be Relationship Officer Deposit - MMBL?
  • Hold a Bachelor's degree from a reputable Institution in business administration, commerce, accounting, marketing, economics, finance or equivalent.
  • A good understanding of Deposit products and its workability.
  • Must possess knowledge about CASA & bilinear fundamental to achieve CASA growth.
  • Preferably have a minimum of 1-year relevant work experience in sales, management, and operations experience within the retail/consumer banking or any other industry.

Job Locations:

• Kohat

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.