🏢 Department: Business Banking
📊 Grade: OG-II
💼 Job Type: Permanent
👥 Positions: 01

About the Role

Mobilink Microfinance Bank Limited (MMBL) is seeking a motivated and customer-focused Relationship Officer SME to build and manage relationships with Small & Medium Enterprise (SME) clients. The selected candidate will play a key role in business development, loan portfolio growth, customer acquisition, and maintaining high service standards while ensuring compliance with bank policies and regulations.

Key Responsibilities

Business Development & Sales

• Execute approved sales and service plans to achieve branch growth targets.
• Identify new business opportunities through market research and field visits.
• Develop and maintain strong relationships with SME customers.
• Promote banking products and services while ensuring ethical sales practices.
• Achieve assigned sales targets through genuine customer acquisition and portfolio growth.
• Formulate and implement marketing strategies to expand customer reach.

Credit Assessment & Loan Management

• Evaluate customer profiles using the Five C’s of Credit.
• Conduct customer visits and physical verifications before loan processing.
• Explain product features, terms, and conditions to prospective clients.
• Process loan applications in compliance with bank policies and procedures.
• Monitor customer repayment behavior and ensure timely loan recoveries.
• Maintain accurate customer records and documentation.

Customer Service & Compliance

• Ensure exceptional customer service and adherence to fair treatment policies.
• Handle customer documents responsibly and maintain confidentiality.
• Guide customers to use official bank channels for repayments and transactions.
• Report any suspected fraud, irregularities, or potential losses to management.
• Ensure compliance with State Bank of Pakistan (SBP) regulations and internal SOPs.
• Safeguard the bank’s reputation by following internal controls and risk management practices.

Relationship Management

• Build long-term relationships with SME clients.
• Conduct regular customer meetings and follow-ups as per product guidelines.
• Gather customer feedback and recommend improvements to products and services.
• Maintain weekly field activity plans and performance reports.

Eligibility Criteria

Education

• Bachelor’s degree from a recognized institution.
• MBA or equivalent qualification will be preferred.

Experience

• 1–2 years of relevant experience in banking, microfinance, SME financing, sales, or relationship management.

Skills & Competencies

• Strong communication and interpersonal skills.
• Customer relationship management expertise.
• Sales and business development capabilities.
• Credit assessment and analytical skills.
• Knowledge of banking operations and SME financing.
• Ability to work independently and achieve targets.

Why Join MMBL?

Mobilink Microfinance Bank is one of Pakistan’s leading digital and microfinance banks, serving over 48 million registered users nationwide. With an extensive network of branches and branchless banking agents, MMBL is committed to financial inclusion, innovation, and customer-centric banking solutions.

Joining MMBL offers:

• Career growth opportunities in a dynamic banking environment.
• Exposure to digital and SME banking solutions.
• A collaborative and performance-driven culture.
• The opportunity to contribute to financial empowerment across Pakistan.

🔎 Source: Official Careers Portal
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