Department: Business Banking
Grade: OG-III
Job Type: Permanent
Number of Positions: 1

Key Responsibilities

Sales & Business Development

• Execute approved sales and service plans to achieve branch growth objectives.
• Promote and sell banking products by developing strong customer relationships.
• Achieve assigned sales targets while strictly adhering to bank SOPs and ethical standards.
• Identify new business opportunities and potential markets through regular field visits and market research.
• Develop effective marketing strategies to increase customer acquisition and loan portfolio growth.

Customer Relationship Management

• Serve as the primary point of contact for customers regarding banking products and services.
• Build and maintain long-term relationships with customers through regular engagement and support.
• Clearly communicate product features, benefits, terms, and conditions to prospective clients.
• Ensure excellent customer service and resolve concerns in accordance with the bank's Fair Treatment of Customers policy.

Credit Evaluation & Loan Processing

• Assess customer profiles using established credit evaluation principles.
• Conduct field visits and physical verifications of prospective clients.
• Process loan applications in compliance with bank policies, procedures, and regulatory requirements.
• Ensure genuine lending practices and avoid unauthorized or non-compliant lending activities.

Collections & Compliance

• Monitor loan repayments and ensure timely collections through proactive customer communication.
• Guide customers to make repayments through authorized banking channels only.
• Handle customer documentation with care and confidentiality.
• Report any suspected fraud, irregularities, or potential risks to management promptly.
• Ensure full compliance with State Bank of Pakistan (SBP) regulations and internal control standards.

Reporting & Planning

• Prepare weekly field activity plans and performance reports.
• Conduct periodic customer meetings as required under product programs.
• Continuously enhance product knowledge and provide feedback for service improvements.

Eligibility Criteria

Education

• Bachelor's Degree from a recognized institution.
• MBA or equivalent qualification will be preferred.

Experience

• 0–1 year of relevant experience in banking, sales, business development, or customer relationship management.
• Fresh graduates with strong communication and sales aptitude are encouraged to apply.

Skills & Competencies

• Excellent communication and interpersonal skills.
• Strong persuasion and negotiation abilities.
• Customer-focused mindset.
• Analytical and problem-solving skills.
• Ability to work independently and achieve sales targets.
• Knowledge of banking products and financial services will be an advantage.

Why Join MMBL?

Mobilink Microfinance Bank Limited is one of Pakistan's leading digital and microfinance banks, serving over 48 million registered users nationwide. By combining traditional microfinance with innovative digital banking solutions, MMBL is helping drive financial inclusion across the country.

At MMBL, employees benefit from:

• A dynamic and growth-oriented work environment.
• Opportunities for professional development and career advancement.
• A culture of innovation, teamwork, and customer-centricity.
• The chance to make a meaningful impact on millions of customers through digital financial services.

🔎 Source: Official Careers Portal
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