Department: Business Banking
Grade: OG-III
Positions Available: 1

Job Purpose

The Relationship Officer – Asset at Mobilink Microfinance Bank Limited (MMBL) plays a vital role in driving asset growth by building strong, trust-based relationships with customers. The role focuses on understanding clients’ financial needs, promoting asset products, ensuring high-quality loan origination, and maintaining strong portfolio performance while strictly adhering to bank policies, SOPs, and regulatory requirements.

Key Responsibilities

• Implement approved sales and service plans by developing micro-level execution strategies in coordination with the Branch Manager / Relationship Manager.

• Generate asset business by identifying prospects, building customer relationships, and promoting bank products in line with defined SOPs.

• Achieve assigned sales targets ethically by following bank policies and avoiding non-genuine lending practices.

• Ensure portfolio growth through genuine customer acquisition and responsible lending.

• Conduct marketing activities and develop localized strategies to increase product penetration.

• Identify business opportunities through market analysis and industry assessment.

• Evaluate customer profiles using the Five C’s of Credit to ensure sound credit decisions.

• Clearly communicate product features, terms, and conditions to customers.

• Perform physical verification of prospective clients to ensure accurate documentation and risk mitigation.

• Ensure proactive loan recovery and timely repayments through regular customer follow-ups, targeting 100% collection in compliance with SOPs.

• Handle customers’ legal and financial documents with extreme care to prevent misuse.

• Ensure customers deposit loan repayments directly at bank cash counters; avoid cash handling during routine operations.

• In case of field collections, strictly comply with the bank’s approved collection manual.

• Prepare weekly field activity plans and share progress and deviations with the Line Manager.

• Conduct monthly and quarterly customer meetings as per product programs.

• Execute loan booking strictly in compliance with bank policies, procedures, ethics, and internal controls.

• Continuously enhance product and service knowledge and provide feedback for improvement based on customer insights.

• Conduct market research to identify new business opportunities and review existing markets in consultation with the Line Manager.

• Maintain internal service standards and ensure zero customer complaints by adhering to the Fair Treatment of Customers Policy.

• Develop and maintain long-term customer relationships to strengthen brand loyalty.

• Report any suspected fraud, irregularity, or potential loss to the Line Manager or HOD immediately.

• Ensure full compliance with bank SOPs and State Bank of Pakistan (SBP) regulations to safeguard the bank’s reputation and assets.

Eligibility & Requirements

• Bachelor’s degree from a recognized institution (MBA preferred).

• 0–1 year of relevant experience in sales, banking, or financial services.

• Strong communication, persuasion, and negotiation skills.

• Ability to work in field-based sales and meet assigned targets.

About Mobilink Microfinance Bank Limited (MMBL)

Mobilink Microfinance Bank Limited serves over 48 million registered users, including 20+ million monthly active customers across Pakistan. Operating through a hybrid model of traditional microfinance and digital banking, MMBL has 114+ branches and 270,000+ branchless banking agents nationwide.

The bank offers a wide range of services including savings, MSME loans, housing loans, remittances, utility bill collections, mobile wallets, insurance, and digital payment solutions (G2P, B2B, B2P). MMBL is a leader in financial inclusion and is committed to innovation, teamwork, and a customer-first culture.

Why Join MMBL?

At MMBL, you’ll be part of a purpose-driven organization working to empower millions through accessible financial solutions. This role offers an excellent opportunity for motivated individuals who want to grow their careers while contributing to meaningful social and economic impact.