Job Details - What is Relationship Manager Asset Sales - MMBL?
- In Mobilink Bank, the role of a relationship manager in asset sales is elevated to encompass strategic oversight and personalized financial stewardship. As the custodian of client relationships, a relationship manager in Mobilink Bank operates at the intersection of financial expertise and customer-centricity. They take a holistic approach, delving deep into the financial aspirations and requirements of each client, crafting bespoke solutions that align with their long-term goals.
- Mobilink Bank
- What Relationship Manager Asset Sales - MMBL does?
- Implement the approved sales/service plans to achieve growth objectives of 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.
- Achievement of Targets/Objectives of sales in assigned areas with best ethics and moral practices by following SOPs
- Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.
- Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.
- Marketing of company products and make strategy in this regard
- Aptitude for persuasion and negotiation
- Identifies business opportunities by identifying prospects and evaluation of position of the industry.
- Evaluation of customer’s profile by adopting of five C’s of credit.
- Dissemination of 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, perusal timely repayment of loans by communication with clients and ensuring hundred percent collections of loans by following SOPs of the bank
- Extra care must be taken while handling of customers legal documents to avoid any misuse.
- Guide customers to deposit their loan repayments at cash counter only.
- Avoid cash handling of any customers of the bank while performing RO function however in case of collection from field proper strict compliance of collection manual must be ensured.
- Preparation of weekly field activity planner and deviation marking in consultation with LM.
- Ensure Monthly/Quarterly meeting of customers as per defined products program.
- Conduct loan booking in strict compliance with 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 line manager.
- Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy.
- Developing and sustaining long-lasting relationship of the bank with customers.
- Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line Manager/HOD.
- Ensure compliance of bank products SOPs and SBPs rules and regulation to safeguards reputation of the bank to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.
- 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.
- What are we looking for and what does it require to be Relationship Manager Asset Sales - MMBL?
- 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.
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About MMBL
Mobilink Microfinance Bank Ltd. 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.
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.
