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.
Organize and deploy resources to match the business priorities in the branch and
maximum productivity of each team member in terms of the assigned objectives.
Coordination with operations department to ensure the timely disbursals of loans by
following the SOPs of loan disbursement and cancellation process.
Ensure 100% loan collection by following proactive collection measures such as
extraction of quarterly due listing from system, two months prior wake up calls to
customer, serving of recovery notices, timely solution of problematic clients and team fallow ups.
To ensure portfolio at risk (PAR) at zero level perform bucket wise delinquent portfolio
analysis, proactive collection measures, formulation of branch delinquency
management committee (BDMC), enforcement of legal process against PDCs to
minimize PAR.
Ensure that every team member is performing monthly/quarterly meetings and plan
surprise visits with teams to verify the activity. Strict check and balance to avoid family
lending, adjustment lending and activist base lending.
Visit and maintenance of PTPs record of 1DPD plus customer of the branch for review
of BM/RBM.
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
Job Locations:
Gojra 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.