Department: Business Banking

Grade: OG-II
Job Type: Permanent
Number of Positions: 1

Join Mobilink Microfinance Bank Limited (MMBL) as a Relationship Officer Asset and become part of a dynamic team dedicated to expanding financial inclusion across Pakistan. This role offers an excellent opportunity for fresh graduates and early-career professionals to build strong customer relationships, promote asset-based financial products, and contribute to the bank’s growth while maintaining the highest standards of ethics and compliance.

Role Summary

The Relationship Officer Asset is responsible for generating asset portfolio growth through customer acquisition, loan sales, relationship management, and portfolio monitoring. The incumbent will identify business opportunities, evaluate customer creditworthiness, ensure compliance with bank policies, and deliver exceptional customer service while maintaining portfolio quality.

Key Responsibilities

Sales & Business Development

• Execute approved sales and service plans to achieve branch growth targets.
• Identify, approach, and onboard potential customers for asset products.
• Develop strong customer relationships to enhance business opportunities.
• Promote bank products through effective field marketing and customer engagement.
• Explore new markets and assess business opportunities within assigned territories.
• Achieve assigned sales objectives while strictly adhering to bank policies and ethical standards.

Customer Relationship Management

• Serve as the primary point of contact for customers regarding asset products.
• Understand customer needs and recommend suitable financial solutions.
• Maintain long-term relationships with existing and prospective clients.
• Ensure customer satisfaction by delivering excellent service standards.

Credit Assessment & Loan Processing

• Evaluate customer profiles using the Five C’s of Credit.
• Conduct market and customer verification visits.
• Clearly communicate product features, terms, and conditions.
• Process loan applications in compliance with bank policies and procedures.
• Ensure accurate documentation and secure handling of customer records.

Portfolio Management & Collections

• Monitor customer repayment behavior and portfolio performance.
• Conduct timely follow-ups to ensure regular loan repayments.
• Maintain high collection efficiency while following collection SOPs.
• Prepare weekly field activity plans and performance reports.
• Organize customer meetings as required under product programs.

Compliance & Risk Management

• Ensure strict adherence to MMBL policies, SOPs, and SBP regulations.
• Identify and report suspicious activities, fraud attempts, or potential losses.
• Maintain transparency and ethical conduct in all business dealings.
• Avoid unauthorized cash handling and ensure compliance with collection procedures.
• Protect customer information and legal documentation from misuse.

Qualifications & Requirements

Education

• Bachelor’s degree from a recognized institution.
• MBA will be considered an added advantage.

Experience

• Fresh graduates are encouraged to apply.
• Up to 1 year of relevant experience in sales, banking, microfinance, or customer relationship management is preferred.

Skills & Competencies

• Strong communication and interpersonal skills.
• Sales, negotiation, and persuasion abilities.
• Customer-focused mindset.
• Analytical and problem-solving capabilities.
• Field marketing and business development aptitude.
• Understanding of banking products and financial services.
• Ability to work independently and achieve assigned targets.

Why Join MMBL?

Mobilink Microfinance Bank is one of Pakistan’s leading digital financial institutions, serving millions of customers nationwide through its extensive branch and branchless banking network. At MMBL, employees enjoy:

• Career growth and learning opportunities.
• A collaborative and inclusive work environment.
• Exposure to innovative digital banking solutions.
• Competitive compensation and benefits.
• The opportunity to contribute to financial inclusion and economic empowerment across Pakistan.

About MMBL

Mobilink Microfinance Bank Limited (MMBL) serves over 48 million registered users across Pakistan through a hybrid model combining traditional microfinance and digital banking services. The bank offers a comprehensive range of products including savings accounts, MSME financing, housing loans, remittances, mobile wallets, insurance solutions, utility bill collections, and digital payment services. MMBL remains committed to innovation, customer excellence, teamwork, and financial empowerment.

Compensation & Preferences

Expected Salary Range: PKR 45,000 – 65,000 per month (Based on qualifications, experience, and interview performance)

Preferred City: Arifwala

Apply Now

If you are passionate about sales, customer relationship management, and creating financial opportunities for communities, apply today and become part of MMBL’s mission to transform banking through innovation and inclusion.