Relationship Officer job in Mobilink Bank (Apply Now) Full Time NEW

Overview

We are seeking a relationship officer who 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.

About the Company

Mobilink Bank is providing banking services to over 42 million registered users, including 16+ 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 100 branches and 200,000 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.

Description

• Implement the approved sales/service plans to achieve the growth objectives of the bank by agreeing on micro-level sales/service delivery plans with BM/RM.
• Sells products by establishing contact and developing relationships with customers as per the defined SOP of the bank.
• Achievement of Targets/Objectives of sales 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 the number of customers by following the SOPs of the bank.
• Marketing of the company’s products and making a strategy in this regard
• Aptitude for persuasion and negotiation
• Identifies business opportunities by identifying prospects and evaluating the position of the industry.
• Evaluation of customers’ profiles by adopting the five Cs of credit.
• Dissemination of the terms and conditions of the products offered by the customers.
• Ensuring on-track performance by conducting physical verification of the prospective clients.
• Ensure proactive collection, timely repayment of loans by communication with clients, and ensure one hundred percent collection of loans by following the SOPs of the bank
• Extra care must be taken while handling customers’ legal documents to avoid any misuse.
• Guide customers to deposit their loan repayments at the cash counter only.
• Avoid cash handling of any customers of the bank while performing the RO function; however, in case of collection from the field, proper strict compliance with the collection manual must be ensured.
• Preparation of the weekly field activity planner and deviation marking in consultation with LM.
• Ensure Monthly/Quarterly meeting of customers as per the defined product program.
• Conduct loan booking in strict compliance with the bank’s policies, procedures, ethics, and standards.
• Ensure continuous review of product and services-related knowledge and recommend areas of improvement through personal/client feedback.
• Conduct market assessment/research to identify selling possibilities and new markets/areas, and review the existing market/areas for final decisions in consultation with the line manager.
• Meet internal service standards and ensure no service-related complaints are received from customers by following the bank’s fair treatment of customers policy.
• Developing and sustaining long-lasting relationships of the bank with customers
• Report cases with the intent of fraud or prospective loss to the bank by internal or external customers in any form to their line Manager/HOD.
• Ensure compliance of bank products SOPs and SBPs rules and regulations to safeguard the reputation of the bank, to avoid any financial, operational, and market loss by adopting internal control standards in true letter and spirit.

Responsibilities

• Preparation of the weekly field activity planner and deviation marking in consultation with LM.
• Ensure Monthly/Quarterly meeting of customers as per the defined product program.
• Conduct loan booking in strict compliance with the bank’s policies, procedures, ethics, and standards.
• Ensure continuous review of product and services-related knowledge and recommend areas of improvement through personal/client feedback.
• Conduct market assessment/research to identify selling possibilities and new markets/areas, and review the existing market/areas for final decisions in consultation with the line manager.
• Meet internal service standards and ensure no service-related complaints are received from customers by following the bank’s fair treatment of customers policy.
• Developing and sustaining long-lasting relationships of the bank with customers
• Report cases with the intent of fraud or prospective loss to the bank by internal or external customers in any form to their line Manager/HOD.
• Ensure compliance of bank products SOPs and SBPs rules and regulations to safeguard the reputation of the bank,k to avoid any financial, operational, and market loss by adopting internal control standards in true letter and spirit.

Requirements

• Hold a Bachelor’s degree from a reputable Institution; however, an MBA will be preferable.
• Preferably have at least 0-1 years of experience in the related field.

How To Apply

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