Area Manager Collections – SAM – Mobilink Microfinance Bank Ltd.

Location: Bahawalpur Branch (01)
Job Type: Permanent
Positions: 1
Grade: AVP
Department: People & Organization

About the Role

The Area Manager Collections – Specialized Asset Management (SAM) is responsible for managing end-to-end recovery activities for defaulted, specialized, and charged-off portfolios within their assigned area. This role ensures disciplined field execution, portfolio continuity, regulatory compliance, and achievement of recovery targets aligned with MMBL’s SAM strategies.

Key Responsibilities

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

• Ensure focused recovery efforts aimed at settlement, regularization, or resolution.

• Monitor recovery momentum and prevent portfolio stagnation.

• Escalate cases to asset-backed recovery or litigation where applicable.

• Supervise Team Leads and FCDOs in the assigned area.

• Ensure proper customer coverage, timely field visits, and accurate recording of visits, calls, and PTPs.

• Conduct field reviews to validate the quality of recovery interactions.

• Enforce zero tolerance for:

  • Cash collection in the field

  • Harassment or unethical practices

  • Unauthorized commitments

• Ensure correct allocation and tagging of default accounts among FCDOs.

• Manage staff transitions to prevent recovery lapses (re-tagging within 2–3 working days).

• Adhere strictly to:

  • SAM SOPs

  • Fair Debt Collection Guidelines

  • SBP & internal regulatory requirements

• Serve as the first control checkpoint for field recovery compliance.

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

Required Qualifications & Experience

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

• 5–7 years of experience in:

  • Collections

  • Recovery

  • NPL / Default portfolio management

• Proven field team leadership experience is mandatory.

Key Competencies

• Strong execution and control mindset.

• Leadership and people management capability.

• High integrity and regulatory awareness.

• Ability to manage sensitive portfolios and high-pressure recoveries.

• Strong coordination and escalation skills.

About MMBL

Mobilink Microfinance Bank Ltd. provides banking services to over 48 million users, including 20+ million monthly active customers across Pakistan. Through a hybrid model of traditional microfinance and digital/mobile banking, MMBL operates 114 branches and 270,000 branchless agents, offering services like:

• Savings & MSME loans

• Small housing loans & remittances

• Utility bill collections & loan installments

• Mobile wallets, insurance, G2P, B2B & B2P payments

MMBL is committed to fostering a positive and productive workplace, promoting innovation, teamwork, and a customer-centric approach.

Why Join MMBL?

This role offers the opportunity to drive transformative change and empower millions with digital financial tools. Join MMBL if you are passionate about making a meaningful impact in financial inclusion while leading a dynamic team.