Posted May 02, 2024 20 views
- 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
- 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.
- 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
- 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.
- Ensure that every team member is performing monthly/quarterly meetings and plan
- surprise visits with teams to verify the activity. Strict check and balance to avoid family
- lending, adjustment lending and activist base lending.
- Visit and maintenance of PTPs record of 1DPD plus customer of the branch for review
- of BM/RBM.
- Seek opportunities to support.
- 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.
Job Details
Mobilink Bank
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.
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