Relationship Officer – Asset Sales – Mobilink Microfinance Bank Ltd.

At Mobilink Microfinance Bank Ltd. (MMBL), the Relationship Officer – Asset Sales plays a vital role in building strong and long-term relationships with customers. The role focuses on understanding clients’ financial needs, promoting the bank’s asset and loan products, and ensuring ethical sales practices in line with bank policies. The officer acts as a key liaison between the bank and its customers, delivering personalized financial solutions while driving business growth.

Key Responsibilities

• Implement approved sales and service plans in coordination with Branch Manager (BM) and Regional Manager (RM).

• Achieve assigned sales targets by strictly following bank SOPs, ethics, and compliance standards.

• Develop and maintain strong customer relationships through proactive engagement and service excellence.

• Promote and sell loan and asset products while ensuring genuine lending practices.

• Identify potential customers, assess market opportunities, and expand the bank’s customer base.

• Evaluate customer profiles using the Five C’s of Credit framework.

• Conduct physical verification of prospective clients to ensure authenticity and risk mitigation.

• Clearly communicate product features, terms, and conditions to customers.

• Ensure timely loan recoveries and maintain 100% collection performance through regular follow-ups.

• Guide customers to deposit loan repayments strictly through authorized bank cash counters.

• Handle customer legal documents with utmost care to prevent misuse or fraud.

• Prepare weekly field activity plans and review deviations with the Line Manager.

• Conduct monthly and quarterly customer meetings as per product programs.

• Ensure strict compliance with loan booking policies, SBP regulations, and internal control standards.

• Conduct market research to explore new business areas and strengthen existing markets.

• Maintain high service standards and ensure zero customer complaints by adhering to fair treatment policies.

• Report any suspected fraud, irregularities, or potential losses to the Line Manager or HOD.

• Continuously update product knowledge and recommend improvements based on market and customer feedback.

Eligibility Criteria

• Bachelor’s degree from a recognized institution (MBA preferred).

• 0–1 year of experience in sales, banking, or a related field (fresh graduates are encouraged to apply).

• Strong communication, negotiation, and persuasion skills.

• Customer-focused mindset with the ability to work in the field.

Job Location

• Bahawalnagar Branch – 01 Position

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. is one of Pakistan’s leading microfinance institutions, serving over 48 million registered users, including 20+ million monthly active customers. With a hybrid model combining traditional microfinance and digital banking, MMBL operates through 114+ branches and 270,000+ branchless banking agents nationwide.

The bank offers a wide range of services, including savings accounts, MSME loans, housing loans, remittances, utility bill collections, mobile wallets, insurance, G2P, B2B, and B2P payments—playing a key role in advancing financial inclusion across Pakistan.

Why Join MMBL?

MMBL offers an exciting opportunity for individuals who are passionate about making a meaningful impact. By joining MMBL, you become part of a dynamic team dedicated to innovation, teamwork, and customer-centric banking—empowering millions of people with modern financial solutions and contributing to Pakistan’s digital and financial growth.