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  • Responsible for execution of customer acquisition process in order to build a healthy portfolio for liability growth and cross sell targets of the team.
  • Ensure to build up a CALSA / TD customer portfolio within agreed time period.
  • Ensure overall assigned portfolio targets are achieved product wise CALSA / SA / TD on weekly/monthly/quarterly and annual basis.
  • Take onboard Free Lancers / Brand Ambassador to make a deposit mobilization team of 25 head counts for retail deposit marketing.
  • Ensure targeted percentage of portfolio mix i.e. between CASA and Term Deposit is achieved.
  • Achieve fairly priced deposit to support retail deposit growth on the back of multiple accounts.
  • Establish and maintain good relationships with key potential clients, and develop these into successful, ongoing business relationships.
  • Ensure the objectives are met within Bank policies, procedures, strategies and maintain coordination with internal units of the branch.
  • Ensure deposit mobilization and NTB Account Opening run rate on daily basis.
  • Understand the problems and challenges of clients and seek help from RM/BM to better address those needs.
  • Seek opportunities to cross-sell or upsell to existing clients. 
  • Monitor and assess the activities of our competitors to proactively satisfy and retain MMBL clients.
  • Provide excellent service to maintain a positive reputation for the business.
  • Resolve any customer complaints promptly and professionally.
  • Any task/ assignment assigned by Line Manager to be completed in efficient and effective manner.

Skills:

Client Dealing, B2B Business Development, Microsoft Office,


  • Implement the approved sales/service plans to achieve growth objectives of bank by agreeing micro level sales/service delivery plans with BM/RM.
  • 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.
  • Aptitude for persuasion and negotiation.
  • 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.
  • 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.
  • Meet internal service standards and ensure no service related complaints are received from customers by following bank fair treatment of customer policy.

Skills;

Branch Support, Sales Abilities, Identifying Sales Opportunities,


  • 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 follow ups. 

Skills:

Identifying Sales Opportunities, Microsoft Office, Branch Support,


MCB requires qualified and motivated professionals whose work ethic is based on hard work and diligence, to fill the position of Customer Services Officer.

Brief Job Description of Customer Services Officer:-

  • To consistently meet high standards of services for external and internal customers by ensuring process standardization, timely resolution, inculcation of a customer centric culture and strong operational controls in accordance with the Bank’s regulations
  • Interacting with customers at the branch reception / inquiring the purpose of visit and route the customers to the relevant desk accordingly to provide efficient services.
  • Adherence to Service Protocols , Service Management
  • Program and Service Indicators Monitoring to achieve organization’s prime objective regarding ultimate customer satisfaction.
  • Resolving / replying to the queries of the customers, maintain the customer complaints log book, continuous follow-ups and re-directing the customer to the concerned department for resolution of queries to ensure the customer leaves the branch with utmost satisfaction.
  • Responsible to introduce potential New to Bank accounts. Also provide proper guidance & support regarding procedures and requirements for activation of dormant accounts.
  • Responsible to cross-sell consumer products offered by the bank as per the target sheet.
  • To assist in maintaining the audit rating of the branch and liaise with all stakeholders to resolve highlighted audit objections / observations within specified TAT

Note:-

1. Please provide your updated contact details i.e. Name address, phone No, email address, etc. for future

correspondence.

2. Please keep visiting your email Inbox for further updates.

3. Candidates with IT skills and a diploma from the Institute of Bankers of

Pakistan (JAIBP) will be preferred.

Important Note:-

Only short-listed candidates will be intimated through Calls / SMS/e-mail for interviews.

Required Skills

Customer Service Skills, Customer Satisfaction Management, Customer Interaction Management, Customer Relationship Management,

The Bank of Punjab is one of the fastest growing Banks in Pakistan with its profound existence of over 33 years. It operates through a network of 780+ real-time online branches and 700+ ATMs across the country. The Bank has established a strong foundation while offering premium banking services with major focus on unsurpassed value added services for its customers through advanced solutions.

In line with the Bank’s progression strategy, we invite applications from experienced, dedicated and performance-driven professionals for the following position in our Card Division (Strategy & Strategic Group). The following job profile offers excellent opportunity for the right candidates desirous of building a long term career in a dynamic organization:

Grade: VP/SVP-I

Location: Lahore

Job Summary / Major Responsibilities

  • Reporting to Head Cards, Portfolio Head will manage entire Cards Portfolio including but not limited to Credit Cards and Debit Cards
  • Manage entire End-to End Card Lifecycle from Activation, Spend, Payments, Revolver vs Transactor strategy, Authorization, Renewals, Retention & Loyalty, Partnerships perspective. 
  • Work closely with Head Cards in formulating and implementing marketing and business development strategies for cards business as well as to sustain and build brand position for bank keeping in view the social and market trends. This will include Co-Branded and Affinity Product Offering.
  • Working closely with Scheme Partners – Master Card and Visa, etc.
  • Maintain a good and sustainable portfolio (customer base and ENR both) ensuring maximum active customers, higher per card spend and ENR, least delinquency and maximum productivity along with cost rationalization.
  • Design and launch different tactical, value added, productive portfolio spend and ENR campaigns, aiming towards increasing revenue lines and customer satisfaction both in parallel.
  • Manage Spend Stimulation Unit for effective portfolio management from ENR and Value Added Services perspective.

Eligibility Criteria

Qualification: Minimum Bachelor’s Degree, from a HEC recognized University/ Foreign University.

Age: Upto 55 Years as of June 06, 2023.

Experience: Minimum 10 years of experience. Preference shall be given to candidates having 05 years of banking experience in similar role.

Important Note:

a) Only shortlisted candidates shall be called for interview. No TA/DA will be admissible.

b) The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.

c) The Bank is an equal opportunity employer. Females, minorities and PWDs are encouraged to apply.

d) The above position(s) carry market based competitive remuneration.

e) Individuals fulfilling the above mentioned criteria are encouraged to apply online through BOP career portal bop.rozee.pk latest by June 06, 2023.

Skills;

ENR Campaigns, Master Card And Visa, Business Development Strategies, End-to End Card Lifecycle, Cards Portfolio,


  • Enable the execution of sales strategy and customer acquisition process in order to meet, exceed portfolio growth and cross sell targets.
  • Ensure overall assigned portfolio targets are achieved product wise CALSA / SA / TD on weekly/monthly/quarterly and annual basis.
  • Take onboard Free Lancers / Brand Ambassador to make a deposit mobilization team of 25 head counts for retail deposit marketing.
  • Ensure targeted percentage of portfolio mix i.e. between CASA and Term Deposit is achieved.
  • Achieve fairly priced deposit to support retail deposit growth on the back of multiple accounts.
  • Establish and maintain good relationships with key potential clients, and develop these into successful, ongoing business relationships.
  • Ensue Deposit mobilization over a large number of accounts to minimize concentration risk and volatility in the portfolio. 
  • Ensure deposit mobilization through a consistent run rate of NTB account Opening on daily basis.
  • Ensure to Provide highest level of customer services in coordination with branch staff.
  • Handle activities ranging from identifying client’s financial needs and provide a need-based solution to clients like Payments & Cash Management, Trade Services, Treasury, Investment Banking with help of Area Manager or Regional Manager. 
  • Maintain good relationships with clients so that the business can maximize the value of those relationships for deepening and 360 degree opportunities. 
  • Monitor and assess the activities of our competitors to proactively satisfy and retain MMBL clients.
  • Resolve any customer complaints promptly and professionally.
  • Any task/ assignment assigned by Line Manager to be completed in efficient and effective manner.

Skills;

Branch Support, Microsoft Office, Understanding Customer Behavior And Distribution, Sales Management Process,


  • Plan the branch functions with focus on acquisition of loans and deposits and operate within the assigned budget. 
  • Achieve self-funding status of the branch by gradually creating a balance between loans and deposits and take full responsibility of the branch as a revenue center.
  • Take full measures to ensure economy in expense and set standards of frugality to meet the dynamics of microfinance business.
  • Act as a credit officer and arrange approval of loans. 
  • Responsible for the functioning of branch in all aspects including operational and administrative functions.
  • Ensure timely opening of the branch and resumption of service by 9.00 AM as laid down in the branch time schedule and close at the specified timings.
  • Organize a procedure for smooth opening and closing of branch with full assignment of responsibilities. 
  • Organize work and branch flow in a manner that every resource is productively deployed and gives his best to achieve the requisite standards.
  • Carry out regular capacity planning to identify the resource needs and request the hub for requirements in all functional areas.
  • Organize the collection and recovery process with a view to retain the delinquencies and losses within the specified limits of the assigned goals.
  • Ensure the execution of financial/ functional transactions with utmost efficiency and retaining the integrity of the process.
  • Undertake planning and execution of cash so as to ensure its optimum availability to meet the day’s requirement and avoiding inactive/ non- productive cash holding.
  • Arrange training for the branch staff and build their professional and leadership potential.
  • Undertake self-assessment on regular basis and prepare the branch for internal / external / SBP audits at any time.
  • Take full responsibility of bank’s reputation in all functional areas, particularly the integrity of the system and financial reconciliation.

Skills;

MS Office, Branch Support, Identifying Sales Opportunities,


  • Achieve self-funding status of the branch by gradually creating a pool of deposits at affordable mix CALSA / SA / TD (Individuals & Corporate) and take full responsibility of the branch as a revenue center.
  • Take full measures to ensure economy in expense and set standards of frugality to meet the dynamics of branch business. 
  • Act as a Deposit Banking Officer, manage the customer funds in most efficient manner and arrange approvals where required.
  • Responsible for the functioning of branch in all aspects including operational and administrative functions so that customers must get uninterrupted banking services in a perfect ambiance.
  • Organize work and deposit mobilization resources in such an efficient manner that everyone is productive enough for achieving overall targets of the branch.
  • Keep the Head count of assigned Relationship Manager – Deposits intact all the time so that hiring firing process may not affect loss of business.
  • Coordinate with Area Manager – Deposit Banking for road shows, feet on street, marketing activities under the leadership of Regional Manager – Deposit Banking.
  • Ensure head count planning with Relationship Manager – Deposit Banking required for onboarding Brand Ambassadors / Free Lancers.
  • Ensure to develop a team of minimum 10 Brand Ambassadors / Free Lancers.
  • Keep a close eye on activities of Relationship Manager and team of his free lancers so that no financial or repute loss is faced by MMBL in present or future.
  • Manage the sales process in such a manner to exceed Deposit targets of branch with self-contribution and team efforts collectively as per desired product mix of CALSA / TD on monthly/quarterly/ yearly basis.
  • Ensure to maintain daily NTBA run rate for increasing branch deposit base.
  • Ensure the execution of financial/ functional transactions with utmost efficiency and retaining the integrity of the process for all the deposit customers.
  • Keep close coordination with Operations for planning and execution of cash so as to ensure its optimum availability to meet the customer’s requirement without unnecessary delay and avoiding inactive/ non- productive cash holding.
  • Arrange training for the deposit mobilization staff to build their professional and leadership potential.
  • Undertake self-assessment on regular basis, accept the deposit relationships with due diligence to help the branch in meeting all the regulatory requirements, prepared for internal / external / SBP audits at any time.
  • Take full responsibility of bank’s reputation in all functional areas, particularly the integrity of the human resource, information security, and financial transparency.
  • Maintain the requisite MIS in the branch to monitor the daily productivity in deposit, withdrawal, number of transactions and record the error rate.
  • Monitor the quality and service indicators at regular basis and ensure their improvement 

Skills:

Time Management, MS Office, Analytical Skills, People Management, Team Management,


  • Identify business opportunities and facilitate Country Head / CBBO in preparing business strategy to capture market.
  • Ensure to achieve the set monthly / quarterly / yearly targets of deposit growth according to right product mix of CALSA / SA / TD as per budgeted personal targets and for individuals / teams under control to manage the cost of funds along with business growth.
  • Enable Corporate Deposit Marketing at reasonable rates on advice and need of Bank Treasury to meet the monthly / quarterly / annual targets of respective Regions.
  • Ensure that NTB customers are accepted into depository relationship with due diligence / AML/ CFT and other regulatory parameters.
  • Ensure enforcement of internal control, and reporting as per MMBL’s policies and State Bank of Pakistan’s regulations.
  • Continuously benchmark competition, track market developments in order to keep abreast of the competition.
  • Ensure the objectives are met within Bank policies, procedures, strategies and maintain coordination with internal units of the bank. • Ensure region-wide structure, hiring, training and deployment of human resources as per assigned head count.
  • Ensure sufficient back up for business continuity and headcount replacement due to high performing high turnover environment.
  • Execute marketing activities, road shows, storming, feet on street activities in all the branches under control and submit monthly plan in start of new quarter.
  • Meet the budgeted deposit targets on monthly/quarterly/yearly basis for each branch and overall region.
  • Execute Corporate Deposit marketing with help of Area Managers & Free lancers in building corporate relationships across the Region under control.
  • Will represent the Bank in dealings with the government, State Bank of Pakistan (provincial offices) and the corporate sector.
  • Seek strategic partnerships for Payment/Collection arrangements with corporate sector to achieve ultimate goal of deposit mobilization at affordable costs.
  • Will actively seek deposit banking relationships of high net worth individuals, mid- size corporate clients in public and private sectors, asset management companies, mutual funds, insurance companies and others.
  • Look for alliances and partnerships for distribution of MSME and micro finance products to maximize outreach for reaching ultimate goal of Deposit Mobilization.
  • Take full responsibility of bank’s reputation in all functional areas, particularly the integrity of the human resource, information security, and financial transparency.
  • Maximize revenue generation, contain service delivery cost and ensure team’s profitability through sustainable business growth, controlled expense management against allocated budgets and high quality of portfolio management.
  • Any other task / responsibility assigned by the CEO / CBBO / CH

Skills;

Branch Support, Identifying Sales Opportunities, Business Development Process,


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Patreon Londontowne, MD.
Posted 8 days ago98 Application
Experience
Minimum 1 Year
Work Level
Senior level
Employee Type
Full Time Jobs
Offer Salary
$2150.0 / Month
Overview
We believe that design (and you) will be critical to the company's success. You will work with our founders and our early customers to help define and build our product functionality, while maintaining the quality bar that customers have come to expect from modern SaaS applications. You have a strong background in product design with a quantitavely anf qualitatively analytical mindset. You will also have the opportunity to craft our overall product and visual identity and should be comfortable to flex into working.
Job Description
3+ years working as a product designer.
A portfolio that highlights your approach to problem solving, as well as you skills in UI.
Experience conducting research and building out smooth flows.
Excellent communication skills with a well-defined design process.
Familiarity with design tools like Sketch and Figma
Up-level our overall design and bring consistency to end-user facing properties