• Development of sales plans through market assessment based on potential and its Implementation. • Marketing of bank products and preparation of sales strategy considering assigned targets and market demands. • Responsible for guiding and monitoring the team of Branch Relationship Officers for the attainment of business growth / volume of Consumer Lending within specified time frame on a continuous basis • Responsible for selection and training of Relationship Officers to ensure that they are highly productive in his/her individual capacity. Each of the relationship officer should be trained to correctly assess and verify the customer’s income/demographics with the view to establish customer’s need and credibility for the proposed loan. • To conduct morning hurdles with the sales team to plan/execute the sales strategy, discuss the potential customer pipeline and facilitate achievement of daily targets. • To monitor daily/weekly/monthly sales to track performance of each Relationship Officer and report on all related sales activities to Supervisor or review and feedback. Ensure daily/monthly meeting of team members for performance review and achievement of assigned targets. • Lead the team effectively in order to ensure the achievement of profitability objectives/targets and sale of products while adhering to MMBL policies and SBP regulations. • Portfolio management of the branch and help to achieve the assigned targets through timely sales, verifications and collections. • 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 targets are met and ensure employee retention. • 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 daily due listing from system, two months’ prior wake up calls to customer, serving of recovery notices, timely solution of problematic clients and team follow ups.
• To ensure portfolio at risk (PAR) at pre-defined level by Bank. Perform bucket wise delinquent portfolio analysis, take 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. • Maintain record of PTPs and visit on the committed day along-with RO, • To effectively manage the portfolio, maintain MIS reports for verification, loan disbursement and collections. • Ensure best services standard in line with service quality and fair treatment of customer (FTC) policy through positive relationship with customers and help build the bank’s image/reputation in the community /market. • Developing and sustaining long-lasting relationship of the bank with customers • In case of field collection by any team member, surprise check of receipt particulars through physical or telephonic verification and immediate reporting to line manager, if anomalies are observed. • Ensure that any team member is not involved in any fraudulent activities inside and outside the branch premises. • Ensure customer meeting at the time of disbursement by reviewing TAT and repayment amount confirmation through system. • While signing off on loan documents, ensure genuineness of eCIB, clearance certificates and other legal documents of customers. • Identify portfolio risks and inform the Line Manager/stake holders on all matters related to it. • Prepare reporting as needed • Undertake self-assessment of respective area and be ready for review /audits by internal /external auditors and SBP or other regulators. • Any other tasks assigned by the Line Manager / Supervisor.
• 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
• Aptitude for persuasion and negotiation. • Skilled in business planning, retail banking, customer service, distribution and sales practices • Thorough understanding of compliance and regulatory requirements for asset products
Housing Finance, Commercial Vehicle and SME
Must have excellent knowledge of windows operating system, MS office programs, Internet and basic knowledge of computer operating system. Must be well versed with android mobile operations.
Must possess excellent communication and inter-personal skills. Must have basic English written, spoken skills.