Posted Apr 01, 2024 5620 views
Job Responsibilities
- Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM.
- 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.
- 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 regards
- 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.
- 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
Job Requirement
- Hold a Bachelor’s degree from a reputable Institution, however MBA will be preferable.
- Preferably have at least 1-2 years’ experience in related field.
Essential Skills
- Aptitude for persuasion and negotiation
- Proficient in MS Office
- Sound communication and interpersonal skills
- Product and process knowledge
- Convincing and selling skills
- Negotiation skills
- Client Relationship
- Meeting sales goals
- Motivation for sale
- Credit need assessment/client appraisal
- Collection management
- Desired Skills
• Fluent in the local language • Ability to work under pressure
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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