• Overall responsible for managing banking operations functions at regional level.
• Maintain strong coordination and liaison with BSM and other reportees to ensure effective execution of their responsibilities and that expectations to their roles are met.
• Strong co-ordination with respective BSMs to strengthen operational controls in branches by proper implementation of Banking Operations policies and guidelines.
• Development, implementation and tracking of regional level implementation / change plans.
• Identify risk & week operational areas in branches and ensure timely execution of corrective measures including dissemination of trainings, directing in implementation of control and supervisory checks.
• Conduct onsite visit of all branches as per set frequency to review banking operations activities.
• Tracking & Monitoring:
• Monitoring and tracking of Branch Banking operations activities by reviewing periodical reports through BI module.
• Keep close tracking / monitoring BSMs for Day to Day Operational activities .
• Provide effective support to BSMs and other operations staff and guide them to implement bank’s strategy to achieve projected goals.
• Closely monitor BSMs for implementation of robust internal controls within branch banking operations & strict adherence with the policies.
• Corrective action tracking of issues raised by Review functions / Internal & External Audits & SBP Inspection.
• Review, evaluate & extend functional support for implementation / revision of various operational policies.
• Set Key Performance Indicators (KPIs) for Branch Banking Operations for regular monitoring.
• Resource Planning, Capacity Building & Training
• Timely hiring, transfer of operational staff with consultation from BSMs / BMs & participate in the interview assessment process for appointment of banking operations staff.
• Proper resource building of operations staff at branches.
• Conduct volume / capacity analysis of operations staff to improve efficiencies. Build capacity of branch operations staff for improved employee performance.
• Ensure timely reporting of incidence related to fraud, forgery & operational loss. Set deterrence of any fraud / forgeries / operational losses in banking operations.
• Develop a compliance culture in the branches / units and work as a team to achieve branch environment at desired benchmarks to deter frauds & forgeries.
• Enforce compliance with Consumer Protection Guidelines & Regulations by branch banking operations.
• Assure implementation of Service Quality Guidelines.
• Supervise area / branch operations team in resolving problems & disputes of internal staff and develop inter functional harmony.
• Ensure to maintain good service quality rating of branches.
• Bachelor’s or Master’s degree in Business Administration, Finance, or a related field.
• 7 years of Branch Banking Experience with at least 03 years in same role
• Strong understanding of banking regulations and audit processes.
• Demonstrated ability to lead large teams and drive organizational objectives.
• Familiarity with branch incentive programs and staff training methodologies.
• Strong working knowledge of banking laws & practices and banking products & services
• Have overall Market and competitor knowledge; Strong Knowledge of Microfinance market niche & products
• Knowledge of SBP policies and related prudential regulations and other statutory laws & rules
• Ability to identify non-compliance and put in place mechanism to assure compliance
• Working knowledge of banking computer based software & systems
• Working knowledge & hands on experience of implementation and controls of Alternate Delivery Channels (ADCs)
• Effective Interpersonal and Communication skills and Team Building abilities
• Must be able to manage various activities at the same time; must be able to provide solutions to complex problems
• Ability to withstand and handle operational pressures and ability to motivate the team
• Strong operations / business acumen with strong internal control review ability
• Strong monitoring skills and meeting the operations tasks in line with bank’s strategy
• Effective report writing / Business communication skills.
• Good acumen to set / implement service quality standards to ensure customer satisfaction
• Has good adaptability to change to adopt changing landscaping of technology, regulations, internal controls, applications, systems and databases.
Job Locations:
Head Office
About MMBL:
Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ 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 114 branches and 270,000 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.