Relationship Officer-Asset

Job Details:

    • Proficient in MS Office  Sound communication and interpersonal skills  Product and process knowledge  Convincing and selling skills  Negotiation skills  Client Relationship  Meeting sales goals  Motivation for sale  Credit need assessment/client appraisal  Collection management
    • Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM.  Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank.  Achievement of Targets/Objectives of sales in assigned areas with best ethics and moral practices by following SOPs  Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.  Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.  Marketing of company products and make strategy in this regards  Aptitude for persuasion and negotiation  Identifies business opportunities by identifying prospects and evaluation of position of the industry.  Evaluation of customer’s profile by adopting of five C’s of credit.  Dissemination of terms and conditions of the products offered by the customers.  Ensuring on track performance by conducting physical verification of the prospective clients.  Ensure proactive collection, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank  Extra care must be taken while handling of customers legal documents to avoid any misuse.  Guide customers to deposit their loan repayments at cash counter only.  Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field proper strict compliance of collection manual must be ensured.  Preparation of weekly field activity planner and deviation marking in consultation with LM.  Ensure Monthly/Quarterly meeting of customers as per defined products program.  Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.  Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback.  Conduct market assessment/research to identify selling possibilities and new markets / areas and review the existing market / areas for final decisions in consultation with line manager.  Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy.
    • Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable.  Preferably have at least 0-1 years’ experience in related field.

Job Locations:

  • Khushab Branch

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 42 million registered users including 16+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches and 200,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join MMBL ?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.

Short Description
  • Job Type:

  • Positions:

  • Posted On:

    Nov 08, 2023
  • Last Date:

    Jul 11, 2024
  • Grade:

  • Department:

    Business Banking