Department: Business Banking
Grade: OG-I
Job Type: Permanent
Positions: 1

The Relationship Manager Asset at Mobilink Microfinance Bank is responsible for driving asset sales, managing customer relationships, overseeing loan portfolios, and ensuring achievement of business targets while maintaining strict compliance with bank policies, ethical standards, and State Bank of Pakistan regulations.

The role combines sales leadership, customer relationship management, credit assessment, verification, collection, portfolio management, and team development to support profitable and sustainable business growth.

Key Responsibilities

• Implement approved sales and service plans to achieve assigned business growth objectives.
• Develop and maintain strong, long-term relationships with customers.
• Identify new business opportunities, prospects, markets, and potential customer segments.
• Market and sell asset/loan products in accordance with approved SOPs.
• Achieve assigned sales, portfolio, collection, and KPI targets through ethical and genuine sales practices.
• Evaluate customer profiles using the Five Cs of Credit.
• Conduct physical verification of prospective customers and ensure proper loan assessment.
• Ensure timely loan booking and disbursement in compliance with bank policies and procedures.
• Manage the branch's asset portfolio and support timely sales, verification, collection, and cross-selling activities.
• Ensure proactive collection and timely repayment of loans while maintaining high collection efficiency.
• Prepare weekly field activity plans and monitor deviations in consultation with the Line Manager.
• Conduct customer meetings as required under relevant product programs.
• Conduct market assessments and research to identify new selling opportunities.
• Ensure excellent customer service and minimize service-related complaints.
• Safeguard customer legal documents and ensure they are handled securely.
• Follow all applicable product SOPs, internal controls, ethical standards, and SBP regulations.
• Report suspected fraud, potential losses, or irregular activities to the relevant Line Manager/HOD.
• Coordinate with Operations to ensure timely loan disbursement and cancellation processes.
• Lead and motivate Relationship Officers – Asset Sales to achieve individual and branch targets.
• Coach, develop, and monitor the sales team to improve productivity and professional standards.
• Ensure Relationship Officers properly assess and verify customer income, demographics, needs, and creditworthiness.
• Undertake capacity planning to achieve loan-volume targets and minimize defaults through effective verification and collection.
• Organize resources according to business priorities and maximize team productivity.
• Develop and implement branch-level relationship and sales strategies based on market potential and assigned targets.

Qualification & Experience

• Education: Bachelor's degree from a reputable institution.
• Preferred: MBA.
• Experience: Minimum 3 years of experience in the microfinance industry.

About Mobilink Microfinance Bank

Mobilink Microfinance Bank Ltd. (MMBL) provides banking services to millions of customers across Pakistan through a combination of traditional microfinance and digital banking solutions. Its services include savings, MSME and micro-enterprise financing, housing loans, remittances, utility bill and loan installment collections, mobile wallets, insurance, G2P, B2B and B2P payments, supporting financial inclusion across the country.

MMBL promotes innovation, entrepreneurship, teamwork, collaboration, and a customer-centric workplace culture.

Why Join MMBL?

This is an opportunity for professionals who want to contribute to financial inclusion and help customers access the financial tools they need to grow and succeed. The position offers the chance to play a key role in business development, customer relationship management, and sustainable growth within a leading microfinance banking environment.

🔎 Source: Official Careers Portal
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