Area Manager Collections – SAM – Mobilink Microfinance Bank Ltd.

• Positions: 1

• Grade: AVP

• Department: People & Organization

Job Overview

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

Key Roles & Responsibilities

• Execute approved recovery strategies for:

  • 90+ DPD portfolios

  • Management-declared defaults

  • Charged-off accounts

• Drive focused recovery efforts through:

  • Settlements

  • Regularization

  • Case resolution

• Monitor recovery performance and prevent portfolio stagnation

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

• 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 Promises to Pay (PTPs)

• Conduct field reviews and ensure quality of customer interactions

• Enforce zero tolerance for:

  • Cash collection in the field

  • Harassment or unethical recovery practices

  • Unauthorized commitments

• Ensure accurate allocation and tagging of default accounts among FCDOs

• Manage continuity during staff movement:

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

  • Allocate cases to approved alternate FCDOs

• Ensure no recovery lapse due to staff transitions

• Maintain strict compliance with:

  • SAM Standard Operating Procedures (SOPs)

  • Fair Debt Collection Guidelines

  • State Bank of Pakistan (SBP) and internal regulatory requirements

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

• Escalate control breaches or compliance issues to the Regional Manager promptly

Eligibility & Requirements

• Bachelor’s degree (Master’s preferred)

• Minimum 5–7 years of relevant experience in:

  • Collections

  • Recoveries

  • 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 ethical standards and regulatory awareness

• Ability to manage high-pressure and sensitive recovery portfolios

• Strong coordination, communication, and escalation skills

Job Location

• Sahiwal 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 that combines traditional microfinance with advanced digital banking, MMBL has over 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 leading role in advancing financial inclusion in Pakistan.

MMBL is committed to a positive, inclusive, and high-performance workplace driven by innovation, collaboration, and a strong customer-centric culture.

Why Join MMBL?

This role offers an opportunity to be part of a mission-driven organization that is transforming access to financial services across Pakistan. If you are passionate about impact, leadership, and driving meaningful change, MMBL provides the platform to grow and make a difference.