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- The position is responsible for managing & coordinating the activities of subject matter expert (EME & Housing Finance) within the bank. Support the strategic goals by ensuring the technical knowledge, expertise & best practices are applied across various business areas such as credit, operations, risk management, compliance & product development.
- Business Planning & Growth:
- Assist Head SME & Housing in establishment of SME & Housing channel in a cost-effective manner within the allocated budget
- Assist Head SME & Housing in business planning, execution & implementation
- Plan & Monitor business growth targets, volume, revenue & net profitability of the SME stream
- Ensure sales staff deployment in all branches as per approved HC
- Conduct periodic field visits to get customer feedback regarding performance of SME & Housing products and give recommendations to management for necessary changes
- Introduction & execution of SME & Housing lending procedures in branch network
- Assist branches in setting branch and individual benchmarks & targets for SME channel outreach, profitability portfolio quality & client servicing
- Ensure individual, branch & regional targets are met in SME & Housing segment
- Reporting underperformance to the line manager with proper reasoning
- Identify new business opportunities in SME & Housing segment
- Portfolio Quality Management & Compliance:
- Portfolio Performance Reviews on regular basis & proactive collection perusal through regular field follow ups.
- Ensure key portfolio & collection indicators are within the assigned benchmarks
- Ensure portfolio quality in line with risk threshold & timely corrections where required
- Ensure quality portfolio generation as per bank & SBP guidelines
- Ensure policy compliance in product & services sales & portfolio management
- Inculcate credit compliance culture & fraud prevention to achieve low risk rating in SME credit portfolio
- Ensure effective & standard internal controls & report any non-compliances or fraud as per bank polices and SBP guidelines
- Performance Monitoring:
- Ensure smooth business activities within the branch through regular checks
- Ensure all branches comply with required standards of business management excellence, best practices & operating effectives & efficiency.
- Monitor, identify and evaluate sales & collection performance against benchmarks.
- Monitor productivity & efficiency of sales teams & update line manager for corrective actions
- Regular field visits & SME customers to ensure portfolio & sales staff field performance, ensure quality standards in SME & Housing portfolio
- Regular sales & collection performance reviews of sales staff & guidance to achieve the targets as per assigned benchmarks
- Training & Development:
- Coaching & Mentoring of sales team on credit appraisals, policies, regulatory compliance, bank credit and collection policies
- Ensure capacity building of sales staff in accordance with product features, sales calls, product & market segmentations, customer handling & collection ethics
- Staff mentorship during field visits and credit committees
- Liaison with HR & Training & Development unit in staff trainings and capacity building measures
- Identify TNA s of sales staff and ensure internal/external training arrangements as per requirements
- Service Quality:
- Insight on competitor s product offering & provide feedback to the line manager
- Meet internal service standards & ensure no service related complaints are received from customers
- Address service related complaints in line with bank internal policies & FTC guidelines of SBP
- Reporting:
- Coordinate with regions/branches in submission of all reports as per define time-lines
- Generate all reports related to SME & Housing segment & ensure timely corrective measures
- Coordinate with branch and sales staff on working schedules and planners
- Any other task:
- Bank may assign any other related task from time to time
- Hold a Bachelor s degree from a reputable Institution, however Master OR Bachelor degree in Management Sciences, Commerce, Accounting & Finance, Economics, Agriculture will be preferable.
- Minimum 10-year experience in the Microfinance/SME sector with at least 5 years in a leadership role
- In-depth knowledge of microfinance products, risk management & financial regulations
- Strong understanding of Housing Finance, mortgage lending & Real Estate market & related regulations
- Strong leadership skills & the ability to manage & motivate diverse teams
- Sound communication and interpersonal skills
- 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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