Relationship Officer – Deposit – Mobilink Microfinance Bank Ltd.

At Mobilink Microfinance Bank Limited (MMBL), the Relationship Officer – Deposit is responsible for managing and growing deposit relationships with individual and business clients. The role focuses on acquiring new customers, retaining existing ones, building a strong liability portfolio, and ensuring clients’ deposit banking needs are met effectively while supporting overall business growth.

Key Responsibilities

• Execute customer acquisition strategies to build a healthy liability portfolio and achieve deposit growth and cross-sell targets.

• Develop and manage a strong CALSA and Term Deposit (TD) customer portfolio within agreed timelines.

• Achieve assigned portfolio targets for CALSA, Savings Accounts (SA), and Term Deposits on a weekly, monthly, quarterly, and annual basis.

• Onboard Freelancers and Brand Ambassadors to form a retail deposit mobilization team of up to 25 members.

• Maintain the targeted portfolio mix between CASA and Term Deposits.

• Mobilize fairly priced deposits to support sustainable retail deposit growth through multiple accounts.

• Build and maintain strong, long-term relationships with key prospective and existing clients.

• Ensure compliance with bank policies, procedures, and strategies while coordinating effectively with internal branch teams.

• Maintain daily deposit mobilization and New-to-Bank (NTB) account opening run rates.

• Understand client challenges and collaborate with Relationship Managers (RM) and Branch Managers (BM) to address customer needs.

• Identify and pursue cross-selling and up-selling opportunities within the existing customer base.

• Monitor competitor activities to proactively retain and satisfy MMBL clients.

• Deliver excellent customer service to uphold a positive brand image.

• Resolve customer complaints promptly and professionally.

• Perform any additional tasks assigned by the Line Manager efficiently and effectively.

Required Qualifications & Skills

• Bachelor’s degree from a reputable institution in Business Administration, Commerce, Accounting, Marketing, Economics, Finance, or an equivalent discipline.

• Sound understanding of deposit products and their functionality.

• Strong knowledge of CASA fundamentals and strategies to drive CASA growth.

• Preferably a minimum of 1 year of relevant experience in sales, relationship management, or operations within retail/consumer banking or a related industry.

• Strong communication, negotiation, and relationship-building skills.

About Mobilink Microfinance Bank Limited (MMBL)

Mobilink Microfinance Bank Limited is serving over 48 million registered users, including 20+ million monthly active customers, across Pakistan. Operating through a hybrid model that blends traditional microfinance with digital banking, MMBL has more than 114 branches and 270,000+ branchless banking agents nationwide.

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

MMBL is committed to a positive and inclusive workplace culture, driven by innovation, teamwork, entrepreneurship, and a strong customer-centric approach.

Why Join MMBL?

This role offers an exciting opportunity for individuals who are passionate about creating impact and driving meaningful change. Join a team that is empowering millions by providing access to modern financial tools and shaping the future of digital banking in Pakistan.