• Responsible for the direction, coordination and evaluation of micro credit business. • Lead the branch effectively in order to ensure the achievement of profitability objectives/targets and sale of asset products while adhering to MMBL policies and SBP regulations. • Implementation of sales plans through market assessment based on potential. • Develop the relationship strategy for the assigned branch/area of responsibility with due focus on the verification, loans disbursement, collection and cross-sell. • Asset portfolio management of the branch and help to achieve the assigned targets through timely sales, verification and collection. • Build and retain the highest level of motivation in the team to achieve maximum business volumes and employee retention. • Marketing of bank products and preparation of sales strategy considering assigned targets and market demands. • Aptitude for persuasion and negotiation. • Evaluation and assessment of customer’s profile by adopting five Cs of credit. • Being a Line Manager of Relationship Officer - Asset Sale to ensure that they are highly productive in his/her individual capacity. Each of the Relationship Officer – Asset Sales should be trained and assisted to assume his/her position as a first level of credit review that can correctly assess and verify the customer’s income/demographics with the view to establish customer’s need and credibility for the proposed loan. • Manage, develop, coach, control and motivate the sales force to develop their skill to ensure that a high professional standard is achieved and monthly sales target and KPI target are met. • Undertake capacity planning to meet the assigned tangible objectives of loan volumes and zero default through effective and timely verification, collection and cross sell

• Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable. • Have a minimum of 3 years’ experience of working in microfinance industry.

• Proficient in MS Office • Strong analytical skills • Team management • Time management

• Negotiation skills • Customer Relationship • Ability to work under pressure • Sound communication and interpersonal skills • Meeting sales goals • Motivation for sale • Market knowledge

Master,s degree

Marketing Sales

WELL KNOWLEDGE OF MS OFFICE I.E EXEL POWERPOINT, MS WORD ,

SOUND COMMUNICATION