Location: Minchinabad Branch
Department: Business Banking
Positions: 1

About the Role

Mobilink Microfinance Bank is looking for a dynamic and customer-focused Relationship Officer – Asset to drive asset sales growth and build strong client relationships. The ideal candidate will be responsible for achieving sales targets, ensuring portfolio quality, and delivering exceptional customer service while maintaining strict compliance with bank policies and SBP regulations.

This role is ideal for individuals who are passionate about financial inclusion and eager to grow within a performance-driven banking environment.

Key Responsibilities

Sales & Business Development

• Execute approved sales and service plans in coordination with Branch/Relationship Managers.

• Achieve assigned sales targets through ethical and compliant selling practices.

• Identify and develop new business opportunities through market research and prospecting.

• Promote bank products and develop effective sales strategies for assigned territories.

• Evaluate customers using the Five C’s of Credit framework.

Customer Relationship Management

• Build and maintain long-term customer relationships.

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

• Conduct regular customer meetings as per product programs.

• Ensure zero service complaints by adhering to Fair Treatment of Customer (FTC) policies.

Loan Processing & Portfolio Management

• Conduct physical verification of prospective clients.

• Process loan bookings in strict compliance with bank policies and SOPs.

• Ensure timely collections and proactive follow-up on repayments.

• Maintain strict adherence to collection manuals during field collections.

• Safeguard customer legal documents and ensure proper handling.

• Report any suspected fraud or potential loss cases to management.

Compliance & Controls

• Ensure full compliance with SBP regulations and internal SOPs.

• Avoid non-compliant practices such as family lending, activist-based lending, or adjustment lending.

• Guide customers to deposit repayments directly at the bank’s cash counter.

• Prepare weekly field activity plans in coordination with Line Manager.

Eligibility Criteria

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

• 0–1 year of relevant sales or banking experience preferred.

• Strong persuasion, negotiation, and communication skills.

• Ability to work in the field and meet assigned targets.

• High ethical standards and compliance orientation.

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including 20+ million monthly active customers across Pakistan. Through a hybrid banking model that integrates traditional microfinance with digital innovation, MMBL operates 114+ branches and 270,000+ branchless banking agents nationwide.

Our comprehensive services include savings, MSME loans, housing finance, remittances, digital wallets, insurance, G2P/B2B payments, and more — contributing significantly to financial inclusion in Pakistan.

At MMBL, we foster a culture of innovation, teamwork, and customer-centric excellence.

Why Join MMBL?

Join a purpose-driven organization committed to empowering millions through accessible financial solutions. This is your opportunity to grow your career while making a meaningful impact in the digital and microfinance banking sector.