| Job Title: |
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Relationship Manager |
| Category: |
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Business Development |
| Total Positions: |
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1 |
| Job Location: |
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Liaquat Pur, Khanpur, Ahmadpur East |
| Gender: |
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No Preference |
| Minimum Education: |
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Bachelors |
| Career Level: |
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Experienced Professional |
| Minimum Experience: |
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4 Years |
| Salary Range: |
|
PKR 45,000 to 70,000 per Month |
| Apply By: |
|
May 23, 2019 |
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| 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 and sale of asset products while adhering to MMBL policies and SBP regulations.
- Develop the relationship strategy for the assigned branch/area of responsibility with due focus on the verification, loans disbursement, collection and cross-sell.
- Manage the relationship process of the branch and help to achieve the objectives 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.
- Provide the leadership to relationship officer so they are highly productive in his/her individual capacity. Each of the relationship officer 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.
- 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 take the best return from each team member in terms of the assigned objectives.
- Co-ordinates with operations department to ensure the timely disbursals of loans while retaining the integrity of the process and documents.
- Take ownership of collection in the branch and ensure zero portfolios at risk (PAR) and zero loss.
- Seek opportunities to support and build the branch base in deposits through active solicitation of existing relationship customers.
- To effectively manage the portfolio, maintain MIS reports for verification, loan disbursement and collections.
- Support branch service through positive relationship with customers and help build the bank’s image/reputation in the community /market.
- Identify portfolio risks and inform the branch manager/relationship manager on all matters related to it.
- Undertake self-assessment of respective area and be ready for review /audits by internal /external auditors and SBP or other regulators.
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| Company Information |
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Company Name: Mobilink Microfinance Bank
Company Description:
Mobilink Microfinance Bank Limited (MMBL) is Pakistan's largest digital bank with over 20 million registered and 8 million active digital wallets. Backed by VEON Co., MMBL started operations in April 2012 and launched branch-less banking operations under the brand name JAZZCASH in partnership with Pakistan's largest telecom operator JAZZ in Nov 2012. Being a hybrid model that combines traditional micro finance with mobile / digital banking technologies, the bank now operates with 74 branches, with more than 1559 employees, a network of over 90000 branch-less banking agents (growing) and a USSD (GSM) based digital channel in the country offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (of utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments and thus playing a leading role in promotion of financial inclusion.
Despite being a young bank, Mobilink bank has emerged as one of the front runners in the sector and achieved financial break-even within four years of commencing operations in 2016, one of the fastest in the industry. Financial performance of the Bank has been remarkable in 2016, 2017 and 2018
Mobilink Bank & JAZZ, under the brand name JAZZCASH, envision to become market leaders in branchless banking, digital banking and micro financial services offering simple, innovative and value added products and services to the people of Pakistan. MMBL game plan aims at taking banking from confines of limited number of brick and mortar structures to cell phones and thus make a significant contribution in banking the unbanked through digital channels. The Bank so far has financed over 500,000 individual micro and small businesses since inception of the Bank in 2012 and is the proud recipient of “Bank of the Unbanked Award” in 2018 and 2019.
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