Relationship Officer – Asset Sales – Mobilink Microfinance Bank Ltd.

Job Overview

Mobilink Microfinance Bank Ltd. (MMBL) is looking for a dynamic and customer-focused Relationship Officer – Asset Sales. This role is responsible for building strong customer relationships, promoting financial products, and driving sustainable business growth through ethical practices and compliance.

As a Relationship Officer, you will be the primary face of the bank—understanding customer needs, offering personalized financial solutions, and ensuring a seamless banking experience.

Key Responsibilities

Sales & Business Development

• Execute approved sales and service plans to achieve branch growth targets.

• Establish contact with potential customers and develop long-term relationships as per bank SOPs.

• Achieve assigned sales targets through ethical and compliant practices.

• Avoid non-genuine lending practices such as family loaning, activist lending, or adjustment lending.

• Market bank products and develop strategies to maximize customer outreach.

• Identify new business opportunities through market research and prospect evaluation.

• Conduct proper credit evaluation using the Five C’s of Credit.

Customer Management & Service Excellence

• Act as a reliable contact point for customers, explaining product terms and conditions clearly.

• Ensure timely loan repayments by maintaining effective communication and performing follow-ups.

• Conduct physical verification of potential clients to ensure genuine prospects.

• Hold monthly/quarterly customer meetings as per product guidelines.

• Deliver high service standards to ensure zero customer complaints.

Compliance & Operational Responsibilities

• Conduct loan processing strictly according to bank policies, procedures, and ethics.

• Safeguard customer legal documents with utmost care.

• Direct customers to deposit repayments at the designated cash counters only.

• Avoid handling cash during RO duties (except cases under field collection SOPs).

• Prepare weekly field activity plans and track execution with the Line Manager.

• Report any suspected fraud, policy breach, or risk to Line Manager/HOD.

• Follow all internal controls, SBP regulations, and MMBL SOPs to protect the bank’s reputation.

Requirements

• Education: Bachelor’s degree from a reputable institution (MBA preferred).

• Experience: 0–1 years of relevant experience (fresh graduates are encouraged to apply).

• Skills:

  • Strong communication and negotiation skills

  • Customer-oriented mindset

  • Ability to identify business opportunities

  • Good knowledge of market dynamics and credit principles

About MMBL

Mobilink Microfinance Bank Ltd. serves over 48 million registered users and 20+ million monthly active customers across Pakistan. With 114+ branches and 270,000+ branchless banking agents, MMBL is the largest digital bank in the country.
MMBL offers a wide suite of services including:

• MSME Loans

• Small Housing Loans

• Savings & Mobile Wallets

• Remittances & Utility Bill Payments

• Insurance

• G2P, B2B & B2P Payments

The bank fosters innovation, teamwork, entrepreneurship, and a strong customer-centric culture.

Why Join MMBL?

Joining MMBL means becoming part of a mission-driven team focused on digital financial empowerment. If you are passionate about contributing to transformative growth and enabling millions of Pakistanis to improve their financial well-being, this role is the perfect opportunity for you.