At Mobilink Microfinance Bank (MMBL), the Relationship Officer – Asset plays a vital role in building strong customer relationships while driving asset sales growth. This position focuses on understanding customers’ financial needs, promoting relevant banking products, and ensuring high-quality service delivery.

The incumbent will serve as a key contact point for customers, providing guidance on loan products, managing sales targets, and ensuring compliance with bank policies and regulatory requirements.

Key Responsibilities

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

• Generate business by developing relationships with new and existing customers in line with bank SOPs.

• Achieve sales targets ethically through genuine customer acquisition and responsible lending practices.

• Promote loan products and expand the customer base to enhance overall branch profitability.

• Conduct market research to identify new business opportunities and potential markets.

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

• Clearly communicate product terms, conditions, and repayment obligations to customers.

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

• Ensure timely recovery and collection of loan repayments through proactive client engagement.

• Maintain strict care and confidentiality while handling customers’ legal and financial documents.

• Guide customers to deposit repayments through designated bank counters and ensure compliance with collection procedures.

• Prepare weekly field activity plans and track deviations in coordination with the Line Manager.

• Conduct regular customer meetings as per product program requirements.

• Ensure all loan booking activities comply with bank policies, procedures, and ethical standards.

• Continuously update product knowledge and provide feedback for service improvements.

• Maintain high internal service standards and ensure fair treatment of customers.

• Build and sustain long-term customer relationships.

• Report suspected fraud or potential financial loss cases to the Line Manager or relevant authority.

• Ensure full compliance with State Bank regulations and internal control standards to safeguard the bank’s reputation.

Eligibility Criteria

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

• Fresh candidates or individuals with 0–1 year of relevant experience are encouraged to apply.

• Strong communication, persuasion, and negotiation skills.

• Ability to work in field sales environment and meet performance targets.

About Mobilink Microfinance Bank Ltd.

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

With a hybrid model that combines traditional microfinance and digital banking technologies, the bank operates through 114+ branches and 270,000 branchless banking agents. MMBL offers a wide range of services including micro-enterprise loans, housing finance, remittances, mobile wallets, insurance, bill payments, and digital financial solutions — playing a key role in advancing financial inclusion across Pakistan.

Why Join MMBL?

Joining MMBL means becoming part of a dynamic and purpose-driven team committed to empowering communities through accessible financial solutions. The bank promotes innovation, teamwork, and a customer-first culture — providing employees with opportunities to grow while contributing to meaningful change in the digital financial landscape.