Job Description

Grade: OG-I
Positions: 1

Education & Experience

Qualification: Bachelor’s degree from a reputable institution
Preferred Qualification: MBA
Experience: Minimum 3 years of experience in the microfinance industry

Job Description

The Relationship Manager Asset will be responsible for driving asset sales, managing customer relationships, supporting branch profitability, and ensuring compliance with MMBL policies and State Bank of Pakistan (SBP) regulations.

Key Responsibilities

Implement approved sales and service plans to achieve branch growth objectives.
Develop and maintain strong relationships with existing and prospective customers.
Achieve assigned sales targets through ethical and genuine sales practices.
Identify new business opportunities, prospects, markets, and potential customers.
Market and promote bank products according to customer needs and market demand.
Evaluate customer profiles using the Five Cs of Credit.
Explain product terms and conditions clearly to customers.
Conduct physical verification of prospective customers where required.
Manage the branch’s asset portfolio through timely sales, verification, disbursement, and collection.
Ensure proactive loan collection and timely repayment from customers.
Conduct loan booking in accordance with bank policies, procedures, ethics, and standards.
Develop and implement sales strategies based on market assessment and assigned targets.
Coordinate with the operations department for timely loan disbursement and cancellation processes.
Prepare weekly field activity plans in consultation with the line manager.
Conduct regular customer meetings according to defined product programs.
Ensure compliance with MMBL SOPs and SBP rules and regulations.
Maintain high customer service standards and minimize service-related complaints.
Protect customer legal documents and ensure they are handled securely.
Report suspected fraud or potential losses to the concerned line manager/HOD.
Manage, coach, motivate, and develop the sales team to achieve monthly sales and KPI targets.
Guide and train Relationship Officers – Asset Sales in customer assessment and verification.
Undertake capacity planning to achieve loan-volume and portfolio-quality objectives.
Organize resources according to branch business priorities to maximize productivity.
Support branch profitability and achievement of asset-product sales targets.
Build and sustain long-term customer relationships.
Provide feedback regarding products and services and recommend areas for improvement.

Required Skills

Relationship Management
Sales & Business Development
Microfinance
Credit Assessment
Customer Acquisition
Loan Portfolio Management
Collection & Recovery
Market Assessment
Persuasion & Negotiation
Team Leadership
Customer Service
Compliance & Risk Awareness

About MMBL

Mobilink Microfinance Bank Limited (MMBL) provides banking services across Pakistan through a combination of traditional microfinance and digital banking technologies. Its services include savings, micro-enterprise and MSME loans, small housing loans, remittances, utility bill and loan installment collections, mobile wallets, insurance, G2P, B2B and B2P payments, supporting financial inclusion across the country.

🔎 Source: Official Careers Portal
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