Job Responsibilities 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 follow 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.
Job Requirements: 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.
Essential Skills: 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
Desirable Skills: Skilled in business planning, retail banking, customer service, distribution and sales practices Thorough understanding of compliance and regulatory requirements for asset products
Hold a Bachelor’s degree
Good Communication skills