Manager SME and Housing

Department: Business Banking

Reports To: Head SME

Job Grade: AVP

Total Position: 01

Location: I-8 Branch, Islamabad

What is Manager SME and Housing - MMBL?

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.

What Manager SME and Housing Does?

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.

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 from time to time.

What are we looking for and what does it take to be Assistant Manager Products?

• 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

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ 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 114 branches and 270,000 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 instalments), 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 endeavour.