• Positions: 1

• Department: Business Banking

• Grade: OG-II

The Relationship Officer – Asset plays a vital role in building and maintaining strong relationships between the bank and its customers. This position focuses on understanding clients’ financial needs and offering suitable banking and loan solutions. The officer serves as a key point of contact for customers, ensuring high service standards, ethical sales practices, and portfolio growth.

Key Responsibilities

✨ Sales & Business Development

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

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

• Identify business opportunities by evaluating market potential and prospect positioning.

• Promote bank products and expand customer base through effective marketing strategies.

• Achieve assigned sales targets in designated areas while strictly following SOPs and ethical practices.

🤝 Customer Relationship Management

• Establish and maintain long-term relationships with customers.

• Provide clear guidance on product features, terms, and conditions.

• Ensure high customer satisfaction by meeting internal service standards and minimizing complaints.

• Conduct periodic meetings with customers as per product program requirements.

📊 Credit Evaluation & Loan Processing

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

• Perform physical verification of prospective clients to ensure loan quality.

• Conduct loan bookings in compliance with bank policies and procedures.

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

🛡️ Compliance & Risk Management

• Adhere strictly to SBP regulations and bank SOPs to safeguard the institution’s reputation.

• Avoid non-genuine sales practices such as family lending or adjustment lending.

• Handle customer legal documents with utmost care and confidentiality.

• Report any suspected fraud or potential financial loss cases to the Line Manager / HOD.

• Avoid cash handling during field operations unless done under strict compliance guidelines.

📈 Market Intelligence & Performance Monitoring

• Conduct market research to identify new sales opportunities and expansion areas.

• Prepare weekly field activity plans and review deviations with Line Manager.

• Continuously enhance product knowledge and recommend service improvements based on feedback.

Eligibility Criteria

🎓 Bachelor’s degree from a reputable institution (MBA preferred).
💼 0–1 year of relevant experience (fresh candidates may also apply).
🗣️ Strong persuasion, negotiation, and communication skills.
📍 Willingness to work in field sales and customer engagement roles.

About MMBL

Mobilink Microfinance Bank Limited is one of Pakistan’s leading digital microfinance institutions, serving millions of customers through a hybrid model of traditional banking and innovative mobile solutions. The bank promotes financial inclusion by offering savings products, micro-enterprise loans, housing finance, remittances, mobile wallets, insurance, and digital payment services nationwide 🌍.

Why Join MMBL?

🚀 Opportunity to contribute to digital financial transformation
🤝 Collaborative and innovation-driven work culture
📚 Continuous learning and career growth opportunities
🌟 Chance to make a meaningful impact by empowering underserved communities