Area Manager Collections – SAM – Mobilink Microfinance Bank Ltd.

• Grade: AVP

• Department: People & Organization

• Total Positions: 1

The Area Manager Collections – Specialized Asset Management (SAM) is responsible for managing end-to-end recovery operations for defaulted, specialized, and charged-off portfolios within the assigned area. This role ensures strong field execution, portfolio continuity, regulatory compliance, and achievement of recovery targets in line with approved SAM strategies and governance frameworks.

Key Roles & Responsibilities

Recovery Execution & Portfolio Management

• Execute approved recovery strategies for:

  • 90+ DPD accounts

  • Management-declared default portfolios

  • Charged-off assets

• Drive focused recovery actions through:

  • Settlements

  • Regularization

  • Resolution strategies

• Monitor recovery performance and prevent portfolio stagnation.

• Support escalation of cases for:

  • Asset-backed recovery

  • Legal and litigation actions, where required.

Field Operations & Team Management

• Directly supervise Team Leads and Field Collection & Default Officers (FCDOs).

• Ensure:

  • Complete customer coverage

  • Timely and effective field visits

  • Accurate documentation of visits, calls, and Promises-to-Pay (PTPs)

• Conduct regular field reviews to assess quality and effectiveness of recovery interactions.

• Ensure correct allocation and tagging of default accounts among field staff.

Compliance, Controls & Governance

• Enforce zero tolerance for:

  • Cash collection in the field

  • Harassment or unethical recovery practices

  • Unauthorized commitments to customers

• Act as the first line of control for SAM field recovery compliance.

• Ensure strict adherence to:

  • SAM SOPs

  • Fair Debt Collection Guidelines

  • SBP regulations and internal policies

• Escalate compliance breaches or control issues to the Regional Manager without delay.

Staff Continuity & Risk Management

• In case of resignation, absence, or attrition of field staff:

  • Re-tag all assigned accounts within 2–3 working days

  • Allocate cases to approved alternate FCDOs

• Ensure uninterrupted recovery operations and prevent portfolio slippages due to staff movement.

Candidate Requirements

Education & Experience

• Bachelor’s degree (Master’s degree preferred)

• Minimum 5–7 years of experience in:

  • Collections

  • Recovery operations

  • NPL / default portfolio management

• Proven field team leadership experience is mandatory.

Key Competencies

• Strong execution and control orientation

• Effective leadership and people management skills

• High integrity with strong regulatory awareness

• Ability to manage high-pressure and sensitive recovery portfolios

• Excellent coordination, communication, and escalation skills

Job Location

• Sukkur Branch (01 Position)

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. serves over 48 million registered users, including 20+ million monthly active customers across Pakistan. With a hybrid model combining traditional microfinance and digital banking, MMBL operates through 114+ branches and 270,000 branchless banking agents nationwide.

The bank offers a wide range of services including savings, MSME loans, housing finance, remittances, utility bill collections, mobile wallets, insurance, G2P, B2B, and B2P payments—playing a key role in advancing financial inclusion across Pakistan.

MMBL fosters a positive and inclusive workplace culture driven by innovation, teamwork, entrepreneurship, and a strong customer-centric approach.

Why Join MMBL?

This role offers a unique opportunity to contribute to meaningful impact by strengthening recovery operations and supporting financial inclusion. Join a purpose-driven organization committed to empowering millions through innovative digital financial solutions.