Relationship Officer Asset Sales

Overview

Relationship Officer Asset Sales

• MMBL plays a pivotal role in fostering meaningful connections between the bank and its customers. Tasked with understanding the unique financial needs and goals of clients, a Mobilink Bank relationship officer serves as a dedicated point of contact for personalized assistance and guidance. Whether it's opening accounts, navigating financial products, or addressing concerns, they are adept at providing tailored solutions to enhance the banking experience. Responsibilities

Implement the approved sales / service plans to achieve growth objectives of the bank by agreeing micro level sales / service delivery plans with BM / RM. Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank. Achieve sales targets / objectives in assigned areas with best ethics and moral practices by following SOPs. Ensure target achievement through genuine sales by avoiding family loaning, activist base lending and adjustment lending. Make the business of the company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank. Market and develop strategies for company products. Exhibit aptitude for persuasion and negotiation. Identify business opportunities by identifying prospects and evaluating the position of the industry. Evaluate customer profiles by applying the five C’s of credit. Disseminate terms and conditions of the products offered to customers. Ensure on-track performance by conducting physical verification of prospective clients. Ensure proactive collection and timely repayment of loans by communication with clients and ensuring collections by following SOPs of the bank. Handle customers' legal documents with care to avoid misuse. Guide customers to deposit loan repayments at the cash counter only. Avoid cash handling of any customers while performing RO function; if collection from field occurs, strict compliance with the collection manual must be ensured. Prepare weekly field activity planner and note deviations in consultation with LM. Ensure monthly / quarterly meetings with customers as per defined product programs. Conduct loan booking in strict compliance with bank policies, procedures, ethics, and standards. Review product and service knowledge and recommend areas of improvement through personal / client feedback. Conduct market assessment / research to identify selling possibilities and new markets / areas and review existing markets / areas for final decisions with line manager. Meet internal service standards and ensure no service-related complaints are received by following bank fair treatment of customers policy. Develop and sustain long-lasting relationships between the bank and customers. Report cases with intent of fraud or prospective loss to the bank by internal or external customers to line manager / HOD. Ensure compliance with bank product SOPs and SBP rules to safeguard the bank’s reputation and avoid financial, operational and market loss by following internal control standards. Qualifications

Hold a Bachelor’s degree from a reputable institution; MBA is preferable. Preferably have at least 0-1 years’ experience in related field. Job Locations

Chaklala Scheme III Rawalpindi 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 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, collections (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; playing a leading role in promoting financial inclusion. MMBL is committed to fostering a positive and productive workplace, with core values that include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach. 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.

#J-18808-Ljbffr