Area Manager Collections – SAM – Mobilink Microfinance Bank Ltd.

• Grade: AVP

• Department: People & Organization

• Positions: 1

Job Overview

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

Key Roles & Responsibilities

• Execute approved recovery strategies for:

  • 90+ DPD accounts

  • Management-declared defaults

  • Charged-off portfolios

• Drive focused recovery efforts through:

  • Settlement

  • Regularization

  • Resolution of defaulted accounts

• Monitor recovery momentum and prevent portfolio stagnation

• Support escalation of cases to:

  • Asset-backed recovery

  • Legal / litigation channels (where applicable)

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

• Ensure:

  • Proper customer coverage

  • Timely field visits

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

• Conduct regular field reviews and validate the quality of recovery interactions

• Enforce zero tolerance for:

  • Cash collection in the field

  • Harassment or unethical practices

  • Unauthorized commitments to customers

• Ensure correct allocation and tagging of default accounts among FCDOs

• Manage staff movements effectively by:

  • Re-tagging accounts within 2–3 working days in case of resignation, absence, or attrition

  • Allocating cases to approved alternate FCDOs

• Ensure no recovery lapse due to staff movement

• Maintain strict adherence to:

  • SAM SOPs

  • Fair Debt Collection Guidelines

  • SBP regulations and internal compliance requirements

• Act as the first control checkpoint for field recovery compliance

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

Eligibility & Requirements

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

• Minimum 5–7 years of experience in:

  • Collections

  • Recovery

  • NPL / Default Portfolio Management

• Proven experience in field team leadership is mandatory

Key Competencies

• Strong execution and control mindset

• Effective leadership and people management skills

• High integrity with strong regulatory awareness

• Ability to manage high-pressure portfolios and sensitive recoveries

• Strong coordination, communication, and escalation skills

Job Location

• Gujranwala Branch

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. is serving over 48 million registered users, including 20+ million monthly active customers, across Pakistan. Operating through a hybrid model of traditional microfinance and digital banking, MMBL has 114+ branches and 270,000+ branchless banking agents nationwide.
The bank offers a wide range of services including savings, MSME loans, housing loans, remittances, collections, mobile wallets, insurance, G2P, B2B & B2P payments—playing a leading role in advancing financial inclusion in Pakistan.
MMBL fosters a positive and performance-driven workplace, guided by values of innovation, teamwork, collaboration, and a strong customer-centric approach.

Why Join MMBL?

This role offers a meaningful opportunity to make a real impact by contributing to financial inclusion and recovery excellence. Join a mission-driven organization committed to empowering millions through innovative digital banking solutions.