Relationship Manager - Assets Sale

Job Description:

  • 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. • Evaluation and assessment of customer’s profile by adopting five Cs of credit. • 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. • 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. • Visit and maintenance of PTPs record of 1DPD plus customer of the branch for review of BM/RBM. • 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 • Timely provision of loans to new customers and renewal of loans considering TAT as per product program. • While sign off loan documents ensure genuineness of eCIB, clearance certificates and other legal documents of customers. • Ensure daily/monthly meeting of team members for performance review and achievement of assigned targets. • Preparation of weekly field activity planner in consultation with line manager. • Identify portfolio risks and inform the branch manager/relationship manager on all matters related to it.

  • 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. • Evaluation and assessment of customer’s profile by adopting five Cs of credit. • 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. • 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. • Visit and maintenance of PTPs record of 1DPD plus customer of the branch for review of BM/RBM. • 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 • Timely provision of loans to new customers and renewal of loans considering TAT as per product program. • While sign off loan documents ensure genuineness of eCIB, clearance certificates and other legal documents of customers. • Ensure daily/monthly meeting of team members for performance review and achievement of assigned targets. • Preparation of weekly field activity planner in consultation with line manager. • Identify portfolio risks and inform the branch manager/relationship manager on all matters related to it.

  • • 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

  • • Skilled in business planning, retail banking, customer service, distribution and sales practices • Thorough understanding of compliance and regulatory requirements for asset products

Job Specifications:

  • Holding bachelor degree MBA will be preferable

  • Marketing finance

  • • Proficiency in MS Office & other banking applications. • Sound communication and interpersonal skills.

  • • Ability to work under pressure • Good presentation & personality.

Job Locations:

  • Hassan Abdal Branch (01)
Short Description
  • Job Type:

    Permanent
  • Job Experience:

    4.00 years
  • Positions:

    1
  • Posted On:

    Sep 14, 2021
  • Last Date:

    Oct 22, 2021