Job Description

Position: 01
Grade: OG-II
Department: Business Banking

Mobilink Microfinance Bank Limited is seeking a motivated and customer-focused Relationship Officer – Asset to build strong client relationships and drive asset-based sales growth. The role involves understanding customer financial needs, promoting banking products, and ensuring high-quality service delivery in line with bank policies.

Key Responsibilities

Execute approved sales and service plans to achieve branch growth targets in coordination with BM/RM.
Build and maintain strong customer relationships by providing personalized financial solutions.
Achieve assigned sales targets while strictly following SOPs and ethical practices.
Promote and sell asset products including loans to expand customer base.
Identify new business opportunities through market research and customer prospecting.
Evaluate customer profiles using the Five C’s of Credit.
Clearly communicate product terms, conditions, and benefits to customers.
Conduct physical verification of clients and ensure compliance with lending policies.
Ensure timely loan recovery and maintain 100% collection performance.
Avoid cash handling unless strictly required under compliance guidelines.
Safeguard customer documents and ensure proper handling at all times.
Prepare weekly field activity plans and coordinate with line manager.
Conduct regular customer meetings as per product requirements.
Ensure loan booking is compliant with bank policies and regulatory standards.
Monitor market trends and recommend improvements in products/services.
Maintain high service standards and ensure zero customer complaints.
Report any fraudulent or suspicious activity to management.
Ensure compliance with State Bank of Pakistan (SBP) regulations and internal controls.

Eligibility Criteria

Bachelor’s degree (MBA preferred) from a reputable institution.
0–1 year of relevant experience (fresh candidates are encouraged to apply).
Strong communication, persuasion, and negotiation skills.
Ability to work in a target-driven environment.

About MMBL

Mobilink Microfinance Bank Limited is one of Pakistan’s leading microfinance institutions, serving over 48 million registered users. With a strong hybrid model combining traditional banking and digital solutions, the bank operates through 114+ branches and 270,000+ branchless banking agents nationwide.

MMBL offers a wide range of services including:

Micro & SME Loans
Digital Banking & Mobile Wallets
Remittances & Payments
Insurance & Financial Inclusion Services

Why Join MMBL?

Be part of a purpose-driven organization promoting financial inclusion
Work in a dynamic, growth-oriented environment
Opportunities for career development and learning
Collaborative and customer-centric culture