Relationship Officer – Asset – Mobilink Microfinance Bank Ltd.

Mobilink Microfinance Bank Limited (MMBL) is seeking a motivated Relationship Officer – Asset to drive asset sales, build strong customer relationships, and ensure portfolio quality within the assigned area. The role focuses on customer acquisition, loan sales, compliance with banking SOPs, and proactive portfolio management while upholding ethical banking practices.

As a Relationship Officer, you will serve as the primary point of contact for customers, offering tailored financial solutions, ensuring timely loan repayments, and contributing to the bank’s growth objectives.

Key Responsibilities

• Implement approved sales and service plans in coordination with Branch Manager / Relationship Manager

• Achieve assigned sales targets and growth objectives while strictly following bank SOPs

• Develop and maintain strong relationships with new and existing customers

• Promote and sell loan and banking products ethically and responsibly

• Conduct customer profiling using the Five C’s of Credit

• Identify business opportunities through market assessment and prospect evaluation

• Ensure genuine loan sales; avoid family lending, activist-based lending, or adjustment lending

• Perform physical verification of prospective clients to ensure authenticity

• Communicate product terms and conditions clearly to customers

• Ensure proactive loan collections and 100% recovery in line with SOPs

• Guide customers to deposit repayments at the bank’s cash counter only

• Avoid cash handling; ensure strict compliance with the collection manual when in the field

• Handle customer legal documents with utmost care and confidentiality

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

• Conduct monthly and quarterly customer meetings as per product programs

• Ensure loan bookings strictly comply with bank policies, ethics, and standards

• Continuously enhance product knowledge and recommend improvements based on feedback

• Prevent service-related complaints by adhering to Fair Treatment of Customer policies

• Report any suspected fraud or potential loss cases to the Line Manager/HOD

• Ensure compliance with SBP regulations and internal control standards

Eligibility Criteria

• Bachelor’s degree from an HEC-recognized institution (MBA preferred)

• 0–1 year of relevant experience in banking, sales, or microfinance (fresh graduates encouraged)

• Strong communication, persuasion, and negotiation skills

• Basic understanding of sales, credit assessment, and customer service

About Mobilink Microfinance Bank Limited (MMBL)

Mobilink Microfinance Bank Limited 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 114+ branches and 270,000+ branchless banking agents nationwide.

The bank offers savings, MSME loans, housing finance, remittances, insurance, mobile wallets, utility bill collections, and digital payment solutions—playing a vital role in advancing financial inclusion across Pakistan.

Why Join MMBL?

• Be part of a purpose-driven organization promoting financial inclusion

• Opportunity to grow within a leading digital and microfinance bank

• Collaborative and customer-centric work culture

• Contribute to meaningful change by empowering underserved communities