Relationship Manager Asset Sale

Job Details:

    • 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
    • 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.

Short Description
  • Job Type:

    Permanent
  • Positions:

    1
  • Posted On:

    May 02, 2024
  • Last Date:

    May 19, 2024
  • Grade:

    OG-I
  • Department:

    Business Banking