Relationship Officer Deposit

Mobilink Microfinance Bank Ltd; Nawan Jandanwala; On-site; PKR 446,400 - 781,200; Full time

Job summary

Mobilink Microfinance Bank Ltd is seeking a Relationship Officer for Deposit Banking to acquire and retain clients, grow the deposit portfolio, and meet cross-sell targets. The role focuses on building a robust CASA/Term Deposit mix and delivering excellent customer service within branch operations.

The ideal candidate holds a Bachelor’s degree in business/related fields with up to 1 year of relevant experience in sales or retail banking.

Qualifications

• Bachelor’s degree from a reputable institution in business-related fields.
• Good understanding of Deposit products and its workability.
• Knowledge about CASA & bilinear fundamentals to achieve CASA growth.
• Preferably 1 year of relevant sales/management/operations experience in retail banking or related industry.

Responsibilities

• Acquire new customers and build a healthy liability portfolio.
• Achieve portfolio targets for CALSA/SA/TD on weekly, monthly, quarterly and annual basis.
• Mobilize retail deposits and maintain NTB account openings daily.
• Cross-sell and upsell to existing clients while maintaining strong relationships.
• Coordinate with internal branch units to ensure adherence to policies and processes.
• Provide excellent service and address customer complaints promptly.

Skills

Client acquisition

Relationship management

Sales experience

Cross-selling

Education

Bachelor’s degree in business administration, commerce, accounting, marketing, economics, finance or equivalent

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 does Relationship Officer Deposit - MMBL do?

• 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.