At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer – Asset plays a key role in building strong and lasting relationships with customers while promoting the bank’s lending and financial solutions. This position focuses on understanding customers’ financial needs, offering suitable loan products, and ensuring high-quality service delivery in line with the bank’s policies and ethical standards.

The role requires proactive field engagement, market outreach, and continuous follow-up to ensure customer satisfaction, portfolio growth, and timely loan repayments.

Key Responsibilities

• Implement approved sales and service plans in coordination with the Branch Manager / Relationship Manager to achieve business growth targets.
• Develop customer relationships by generating leads, identifying prospects, and promoting asset products in assigned areas.
• Achieve sales targets through genuine and ethical practices while strictly following the bank’s SOPs and compliance standards.
• Conduct customer profiling and credit evaluation using the Five C’s of Credit framework.
• Communicate product features, terms, and conditions clearly to customers.
• Perform physical verification of potential clients and maintain proper documentation handling to prevent misuse.
• Ensure effective loan portfolio management through regular follow-ups and 100% recovery performance.
• Guide customers to deposit loan repayments at designated bank counters and avoid direct cash handling except where permitted under strict compliance guidelines.
• Conduct market research to identify new business opportunities and recommend growth strategies.
• Maintain weekly field activity plans and conduct periodic customer meetings as per product program requirements.
• Ensure service excellence by adhering to fair treatment policies and minimizing customer complaints.
• Report any suspected fraud or potential loss cases to the Line Manager or Head of Department.
• Maintain full compliance with internal policies and State Bank of Pakistan (SBP) regulations to safeguard the bank’s reputation and financial integrity.
• Continuously enhance product knowledge and provide feedback for service and process improvements.

Eligibility Criteria

• Bachelor’s degree from a recognized institution (MBA preferred).
• Fresh candidates or individuals with 0–1 year of relevant sales / banking / microfinance experience are encouraged to apply.
• Strong communication, persuasion, and negotiation skills.
• Willingness to work in the field and achieve assigned business targets.

About MMBL

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

With a hybrid model that integrates traditional microfinance services and advanced digital banking technologies, MMBL operates 114+ branches and a vast network of 270,000 branchless banking agents. The bank offers a wide range of financial solutions including savings accounts, MSME and housing loans, remittances, bill payments, mobile wallets, insurance services, and digital payment solutions — contributing significantly to financial inclusion across Pakistan.

MMBL promotes a dynamic workplace culture centered on innovation, teamwork, customer focus, and entrepreneurship, enabling employees to grow and make meaningful contributions.

Why Join MMBL?

This role offers an excellent opportunity for individuals passionate about creating impact and driving financial empowerment in underserved communities. By joining MMBL, you will become part of a forward-thinking team dedicated to equipping millions with the financial tools needed to succeed in the digital economy.