Department: Business Banking
Grade: OG-II
Positions: 1

Job Overview

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a motivated and customer-focused Relationship Officer – Asset to support the growth of the bank’s lending portfolio. The role involves developing relationships with customers, identifying financial needs, and promoting asset products while ensuring compliance with the bank’s policies and regulatory standards.

The selected candidate will play a key role in expanding the customer base, maintaining strong client relationships, and ensuring responsible lending practices.

Key Responsibilities

• Implement approved sales and service plans in coordination with the Branch Manager/Relationship Manager to achieve growth targets.

• Develop and maintain strong relationships with existing and potential customers.

• Promote and sell asset products in accordance with bank policies and standard operating procedures (SOPs).

• Achieve assigned sales targets in designated areas while maintaining ethical business practices.

• Identify potential business opportunities by analyzing market trends and customer needs.

• Evaluate customer creditworthiness using the Five C’s of Credit methodology.

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

• Conduct field visits and physical verification of prospective clients when required.

• Ensure timely loan repayments through proactive client engagement and follow-ups.

• Prepare weekly field activity plans and review performance with the line manager.

• Conduct regular customer meetings as per product program guidelines.

• Perform loan booking in compliance with the bank’s policies, procedures, and ethical standards.

• Maintain strict confidentiality and proper handling of customer documentation.

• Ensure customers deposit loan repayments through official bank channels only.

• Conduct market assessments to identify new business opportunities and improve existing markets.

• Deliver high service standards and ensure compliance with customer protection policies.

• Report any suspicious or fraudulent activity to the line manager immediately.

• Ensure compliance with State Bank of Pakistan (SBP) regulations and internal control standards.

Eligibility Criteria

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

• Experience: 0–1 year of relevant experience in banking, sales, or financial services (fresh graduates are encouraged to apply).

• Strong communication, persuasion, and negotiation skills.

• Ability to build and maintain long-term client relationships.

• Basic understanding of credit evaluation and financial products will be an advantage.

Job Location

Shujabad Branch, Pakistan

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. is one of Pakistan’s leading digital microfinance institutions, serving 48+ million registered users and 20+ million monthly active customers across the country.

Through a hybrid model combining traditional microfinance and digital banking, the bank operates 114+ branches and over 270,000 branchless banking agents nationwide. MMBL offers a wide range of financial services including savings accounts, MSME loans, housing loans, remittances, utility bill payments, mobile wallets, insurance, and digital payment solutions.

MMBL is committed to financial inclusion, innovation, teamwork, and a customer-centric approach while fostering a supportive and growth-oriented work environment.

Why Join MMBL?

Joining MMBL offers the opportunity to contribute to a mission of empowering millions through accessible financial services. You will work in a dynamic environment that encourages innovation, collaboration, and professional growth, while helping expand financial access across Pakistan.