About the Role

The Relationship Manager – Asset at Mobilink Microfinance Bank Ltd. (MMBL) plays a key role in driving asset growth while building strong, long-term customer relationships. This position combines financial advisory, sales strategy, and portfolio management.

The Relationship Manager acts as a trusted financial partner to clients, understanding their financial needs and delivering tailored banking solutions that support their personal and business goals.

Key Responsibilities

Sales & Business Development

• Implement approved sales and service plans to achieve branch growth targets.

• Develop micro-level sales strategies in coordination with Branch Manager / Regional Manager.

• Identify new business opportunities through market research and prospecting.

• Promote and market bank products to expand the customer base.

• Achieve assigned sales targets while adhering to ethical practices and bank SOPs.

Client Relationship Management

• Establish and maintain strong relationships with existing and prospective clients.

• Provide guidance on bank products, terms, and financial solutions.

• Conduct regular meetings with customers to maintain engagement and service quality.

• Ensure fair treatment of customers and resolve service issues proactively.

Credit & Loan Management

• Assess customer profiles using the Five C’s of Credit methodology.

• Perform verification of prospective clients and ensure accurate documentation.

• Facilitate loan booking, disbursement, and collections according to bank policies.

• Monitor repayment behavior and ensure timely loan recovery.

Compliance & Risk Management

• Ensure compliance with internal SOPs and regulations set by State Bank of Pakistan (SBP).

• Safeguard customer legal documents and maintain data confidentiality.

• Report any suspected fraud or risk to the line manager immediately.

• Follow strict procedures for loan verification, documentation, and collections.

Branch & Portfolio Management

• Manage and grow the asset portfolio of the assigned branch.

• Conduct regular market assessments to identify new sales opportunities.

• Prepare weekly field activity plans and track performance deviations.

• Support profitability objectives through effective portfolio management.

Team Leadership

• Supervise and guide Relationship Officers – Asset Sales.

• Train and mentor team members to improve sales productivity and credit assessment skills.

• Motivate the team to achieve business targets and maintain high professional standards.

• Coordinate with operations teams for timely loan disbursement and processing.

Required Qualifications & Experience

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

• Minimum 3 years of experience in the microfinance or banking sector.

• Strong sales, negotiation, and relationship management skills.

• Knowledge of credit evaluation and loan portfolio management.

• Ability to work in a target-driven environment.

Job Location

• Sargodha Branch

Mobilink Microfinance Bank Ltd. serves more than 48 million registered users across Pakistan, including over 20 million monthly active customers.

The bank operates through:

• 114+ branches

• 270,000+ branchless banking agents

• Digital banking services including mobile wallets, loans, remittances, bill payments, and insurance

By combining microfinance with digital banking technology, MMBL plays a significant role in promoting financial inclusion across Pakistan.