Relationship Officer SME

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

Job summary

Mobilink Microfinance Bank Ltd (MMBL) is seeking a Relationship Officer SME to manage and grow SME client relationships by delivering financial solutions aligned with their business needs.

You will implement sales plans, conduct market assessments, and assess credit using the five Cs while ensuring timely repayments and SOP adherence. The role requires a Bachelor’s degree (MBA preferred) with 1–2 years of relevant experience in a fast-paced, customer-centric environment.

Qualifications

• Bachelor’s degree required; MBA preferred.
• 1–2 years of related field experience.

Responsibilities

• Implement approved sales/service plans to achieve growth objectives in SME banking.
• Conduct market assessment to identify selling possibilities and new markets/areas.
• Sell bank products by establishing contact and developing relationships with customers.
• Ensure target achievement through ethical sales and SOP compliance.
• Assess customer profiles using the five Cs of credit and ensure loan repayments per SOP.

Skills

Relationship building

Sales

Market research

Financial analysis

Education

Bachelor’s degree

MBA preferred

Job description

What is Relationship Officer SME - MMBL?

• In Mobilink Bank, a Relationship Officer SME (Small and Medium Enterprises) is typically responsible for managing relationships with small and medium-sized business clients. Their primary focus is on cultivating and maintaining strong relationships with SME clients to meet their financial needs and objectives while also driving revenue growth for the bank.

What Relationship Officer SME - MMBL does?

• Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM.
• Conduct market assessment/research to identify selling possibilities and new markets / areas and review the existing market / areas for final decisions in consultation with line manager.
• Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank.
• Achievement of Targets/Objectives of sales in assigned areas with best ethics and moral practices by following SOPs
• Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.
• Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.
• Marketing of company products and make strategy in this regards
• Identifies business opportunities by identifying prospects and evaluation of position of the industry.
• Evaluation of customer’s profile by adopting of five C’s of credit.
• Dissemination of terms and conditions of the products offered by the customers
• Ensuring on track performance by conducting physical verification of the prospective clients.
• Ensure proactive collection, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank.
• Extra care must be taken while handling of customers legal documents to avoid any misuse.
• Guide customers to deposit their loan repayments at cash counter only.
• Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field, proper strict compliance of collection manual must be ensured.
• Preparation of weekly field activity planner and deviation marking in consultation with LM.
• Ensure Monthly/Quarterly meeting of customers as per defined products program.
• Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.
• Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback.
• Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy.
• Developing and sustaining long-lasting relationship of the bank with customers
• Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line Manager/HOD.
• Ensure compliance of bank products SOPs and SBPs rules and regulation
• To safeguards reputation of the bank to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.

What are we looking for and what does it require to be Relationship Officer SME - MMBL?

• Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable.
• Preferably have at least 1-2 years’ experience in related field.

Job Locations:

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 endeavour.