Grade: OG-II
Job Type: Permanent
Number of Positions: 01

Mobilink Microfinance Bank Limited (MMBL) is seeking a Relationship Manager Asset to manage asset sales, customer relationships, loan portfolio growth, verification, collections, and business development at its Mingora Branch.

The role involves developing sustainable customer relationships, achieving assigned sales and portfolio targets, ensuring responsible lending practices, and leading Relationship Officers to deliver quality microfinance business while maintaining compliance with MMBL policies and State Bank of Pakistan regulations.

Key Responsibilities

• Execute approved sales and service plans to achieve branch growth objectives.
• Develop and maintain strong, long-term relationships with existing and prospective customers.
• Promote and sell asset products in accordance with MMBL policies and SOPs.
• Identify new business opportunities through market assessment and customer prospecting.
• Evaluate customer profiles using the Five Cs of Credit.
• Ensure proper customer verification before loan processing and disbursement.
• Manage the branch asset portfolio and support timely sales, verification, collection, and cross-selling activities.
• Ensure achievement of monthly and quarterly sales and portfolio targets through ethical and responsible lending.
• Avoid practices such as family loaning, activist-based lending, and adjustment lending.
• Monitor loan repayment and ensure proactive collection and timely recovery.
• Coordinate with operations teams to ensure timely loan disbursement and cancellation in accordance with SOPs.
• Develop and implement branch-level relationship and sales strategies based on market potential.
• Lead, coach, motivate, and develop Relationship Officers – Asset Sales.
• Ensure Relationship Officers properly assess customer income, demographics, needs, and creditworthiness.
• Conduct market research to identify new selling opportunities and potential markets.
• Prepare weekly field activity plans and monitor performance against agreed objectives.
• Ensure customer meetings and engagement activities are conducted according to product requirements.
• Maintain high standards of customer service and ensure compliance with the bank's Fair Treatment of Customer policy.
• Safeguard customer legal documents and ensure they are handled securely.
• Report suspected fraud, operational risks, or potential losses to the relevant line manager/HOD.
• Ensure compliance with MMBL policies, product SOPs, internal controls, and SBP regulations.
• Organize resources effectively to maximize team productivity and business performance.
• Support profitability objectives while maintaining portfolio quality and minimizing default risk.

Candidate Requirements

• Education: Bachelor's degree from a reputable institution.
• Preferred Qualification: MBA will be an advantage.
• Experience: Minimum 3 years of experience in the microfinance industry.
• Strong sales, relationship management, and business development skills.
• Good understanding of credit assessment and loan portfolio management.
• Strong communication, persuasion, negotiation, and customer-handling abilities.
• Ability to lead, coach, and motivate a sales team.
• Sound knowledge of responsible lending practices, compliance, and operational controls.

About Mobilink Microfinance Bank Limited

Mobilink Microfinance Bank Limited (MMBL) provides banking and financial services across Pakistan through a combination of traditional microfinance and digital banking solutions. Its services include savings, MSME and micro-enterprise financing, small housing loans, remittances, utility bill payments, loan installment collections, mobile wallets, insurance, government-to-person payments, and business payment solutions.

MMBL focuses on financial inclusion, innovation, entrepreneurship, teamwork, and customer-centric banking while expanding access to financial services through its branch and digital network.

Why Join MMBL?

This opportunity is ideal for professionals who want to build a career in microfinance, asset sales, relationship management, and branch banking. The successful candidate will contribute to business growth while helping customers access financial solutions that support their personal and business goals.

🔎 Source: Official Careers Portal
⚠️ We only share verified job listings and are not the hiring authority.