Area Manager Collections – SAM – Mobilink Microfinance Bank Ltd.

• Positions: 1

• Grade: AVP

• Department: People & Organization

Role Overview

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

Key Roles & Responsibilities

• Implement approved recovery strategies for 90+ DPD, management-declared default, and charge-off portfolios

• Drive focused recovery efforts including settlement, regularization, and resolution

• Monitor recovery performance to avoid portfolio stagnation

• Support escalation of cases to asset-backed recovery or litigation, where applicable

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

• Ensure:

  • Comprehensive customer coverage

  • Timely and effective field visits

  • Accurate recording of visits, calls, and Promise-to-Pays (PTPs)

• Conduct regular field reviews to validate recovery quality and ethical conduct

• Enforce zero tolerance for:

  • Cash collection in the field

  • Harassment or unethical recovery practices

  • Unauthorized commitments to customers

• Ensure correct allocation and tagging of default accounts among FCDOs

• Manage staff movements by:

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

  • Allocating cases to approved alternate FCDOs

• Ensure uninterrupted recovery operations despite staff changes

• Maintain strict compliance with:

  • SAM SOPs

  • Fair Debt Collection Guidelines

  • SBP regulations and internal policies

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

• Promptly escalate control breaches or compliance issues to the Regional Manager

What We’re Looking For

Education & Experience

• Bachelor’s degree (Master’s preferred)

• 5–7 years of relevant experience in:

  • Collections & Recovery

  • NPL / Default Portfolio Management

• Proven field team leadership experience (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 and escalation capabilities

Job Location

• Sargodha Branch

About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. serves 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, utility bill collections, mobile wallets, insurance, G2P, B2B, and B2P payments—playing a vital role in advancing financial inclusion in Pakistan.

MMBL fosters a positive and collaborative workplace culture built on innovation, teamwork, and a strong customer-centric approach.

Why Join MMBL?

Join a purpose-driven organization that is transforming lives through digital financial solutions. This role offers the opportunity to make a meaningful impact while contributing to a mission focused on empowering millions across Pakistan.