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

Mobilink Microfinance Bank Limited (MMBL) is seeking a motivated and customer-focused Relationship Officer Asset to join its Business Banking team at the Bhalwal Branch. The selected candidate will be responsible for achieving assigned sales targets, developing strong customer relationships, promoting asset and loan products, identifying new business opportunities, and ensuring compliance with the Bank’s policies and regulatory requirements.

Key Responsibilities

• Implement approved sales and service plans to achieve assigned business growth objectives.
• Develop customer relationships and promote the Bank’s asset and loan products in accordance with approved SOPs.
• Achieve assigned sales and business targets through ethical, transparent, and genuine sales practices.
• Identify potential customers and evaluate business opportunities within assigned markets.
• Conduct market research to identify new selling opportunities and potential business areas.
• Assess customer profiles and creditworthiness using the Bank’s approved credit evaluation criteria, including the Five Cs of Credit.
• Clearly communicate product features, terms, conditions, and repayment requirements to customers.
• Conduct physical verification of prospective clients as required under Bank policies.
• Support proactive loan recovery and timely repayment by maintaining regular communication with customers.
• Ensure all loan bookings are processed in strict compliance with Bank policies, procedures, ethics, and standards.
• Safeguard customer documents and confidential information to prevent misuse.
• Guide customers to deposit loan repayments through authorized Bank channels.
• Avoid direct cash handling while performing Relationship Officer duties and ensure strict compliance with collection procedures where field collection is authorized.
• Prepare weekly field activity plans in consultation with the Line Manager.
• Conduct monthly and quarterly customer meetings as required under the relevant product programs.
• Maintain up-to-date knowledge of the Bank’s products and services and recommend improvements based on market and customer feedback.
• Deliver high-quality customer service and ensure compliance with the Bank’s Fair Treatment of Customers policy.
• Build and sustain long-term relationships with existing and potential customers.
• Report suspected fraud or potential financial losses to the Line Manager or relevant Head of Department.
• Ensure compliance with Bank SOPs, internal controls, and applicable SBP rules and regulations.
• Follow all policies designed to protect the Bank from financial, operational, compliance, and reputational risks.

Eligibility Criteria

Education

• Bachelor’s degree from a reputable institution.
• An MBA will be preferred.

Experience

• Preferably 0 to 1 year of relevant experience in sales, banking, microfinance, relationship management, or a related field.

Skills & Competencies

• Strong communication and interpersonal skills.
• Excellent persuasion and negotiation abilities.
• Customer relationship management skills.
• Sales and target achievement orientation.
• Market research and business development capabilities.
• Understanding of banking products and credit assessment.
• Commitment to ethical banking practices and regulatory compliance.

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. is one of Pakistan’s leading financial institutions, combining traditional microfinance services with digital and mobile banking technologies. The Bank serves millions of registered users and offers a wide range of financial services, including savings, micro and SME loans, housing loans, remittances, mobile wallets, insurance, utility bill collections, and digital payment solutions.

MMBL is committed to promoting financial inclusion and empowering individuals and businesses through accessible financial services. The Bank also focuses on innovation, teamwork, collaboration, and a customer-centric approach.

Why Join MMBL?

This is an opportunity to become part of an organization focused on driving digital transformation and financial inclusion across Pakistan. MMBL offers a professional environment for individuals who are passionate about making a meaningful impact, building strong customer relationships, and contributing to the future of banking.

Apply Now

Interested candidates should apply before the deadline through the official MMBL Careers Portal.

🔎 Source: Official Careers Portal
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