Purpose:

The Product Sales Expert – Salary & Pension is responsible for driving acquisition, disbursement and portfolio growth of Halan Microfinance Bank’s Salary & Pension products, i.e. salary loans for salaried individuals and pension-based financing and accounts for pensioners. The role builds and manages institutional tie-ups with employers and pension disbursing offices, acts as the product expert for the branch network and ensures that all business is booked in line with the Bank’s credit policy, State Bank of Pakistan (SBP) Prudential Regulations for Microfinance Banks, AML/CFT requirements and fair treatment of customers.

Qualification & Experience

• Bachelor’s degree in Business Administration, Finance, Commerce or a related field; Master’s/MBA preferred.
• 3–5 years of sales experience in consumer or microfinance lending, preferably in salary/payroll loans, pension products or employer (institutional) banking.
• Experience of Microfinance banks, commercial banks (retail/consumer lending) or fintech will be required.

Key Responsibilities:

Sales & Business Development

• Achieve assigned monthly and quarterly targets for customer acquisition, disbursement volume, and portfolio growth of Salary & Pension products.
• Identify, approach and sign tie-ups with private employers, educational institutions, hospitals, factories and other institutions for salary-based lending and salary account arrangements.
• Develop relationships with pension disbursing offices (e.g. Accountant General / District Accounts Offices), EOBI and pensioner associations to source and serve pensioner customers.
• Conduct on-site sales camps, activations and awareness sessions at employer premises and pension disbursement points.
• Generate and manage leads through branches, referrals, institutional tie-ups and drive them through to disbursement within agreed turnaround times (TAT).
• Cross-sell other Halan products to Salary & Pension customers, including savings and current accounts, mobile banking/wallet, cards and embedded insurance.

Product Expertise & Market Intelligence

• Act as the subject-matter expert on Salary & Pension products, including eligibility criteria, loan limits, tenure, pricing, documentation and insurance features.
• Gather customer, employer and field feedback and track competitor salary and pension offerings from microfinance and commercial banks; recommend product, pricing and process improvements to the Product team.
• Support the Product and Marketing teams in launching new product variants, campaigns and sales collateral.

Branch Enablement & Training

• Train and coach branch sales staff and loan officers on Salary & Pension products, sales techniques, documentation standards and fair treatment of customers.
• Plan and run branch-level sales drives, monitor branch productivity and provide on-the-job support to under-performing branches.

Credit Quality, Risk & Compliance

• Ensure all applications are complete and accurate, including KYC/CDD, employment or pension verification and salary/pension routing or deduction arrangements where applicable.
• Ensure compliance with the Bank’s credit policy, SBP Prudential Regulations for Microfinance Banks, AML/CFT regulations and consumer protection requirements.
• Monitor early delinquency of the sourced portfolio and coordinate with Credit and Collections teams to keep portfolio-at-risk within approved limits.
• Handle customer queries and complaints related to Salary & Pension products and ensure timely resolution.

Reporting

• Prepare and share daily, weekly and monthly MIS on pipeline, disbursements, portfolio, delinquency, tie-ups and branch productivity.
• Provide periodic updates to management on performance against targets, market developments and key issues with recommended actions.