Job Description

Job Overview

Mobilink Microfinance Bank Ltd (MMBL), Pakistan’s leading digital microfinance bank, is hiring a Field Collection & Default Officer for its Mian Channu branch. This role is responsible for managing loan collections, ensuring timely recovery of Non-Performing Loans (NPLs), and supporting the bank’s compliance with SBP’s Fair Debt Collection Guidelines.

Key Responsibilities

Conduct timely field visits to delinquent customers and follow a structured recovery schedule.
Achieve recovery targets for NPLs, charged-off, and written-off portfolios.
Negotiate effectively with customers to ensure on-time repayments.
Maintain daily updates on visited accounts for the line manager.
Deliver recovery letters and notices to defaulting customers within defined timelines.
Perform regular portfolio reviews and monitor collection metrics.
Ensure strict compliance with SBP’s guidelines and internal bank policies.
Address customer complaints during visits or calls and escalate unresolved cases.
Handle escalated disputes while ensuring ethical and lawful practices.
Perform any other recovery or compliance tasks assigned by the bank.

Qualification & Experience

Bachelor’s degree from a recognized institution.
Minimum 1 year of experience in loan recovery and collections.
Proficiency in MS Office.
Strong organizational, communication, and negotiation skills.
Ability to work independently, manage field mobility, and handle pressure.

About Mobilink Microfinance Bank Ltd (MMBL)

MMBL is serving 48+ million registered users and 20+ million monthly active customers across Pakistan. With over 114 branches and 270,000 branchless banking agents, MMBL offers services such as:

Savings & Digital Wallets
Microenterprise & Housing Loans
Bill Payments & Loan Installment Collections
Insurance, Remittances, and G2P/B2P transactions

MMBL is dedicated to financial inclusion and digital innovation, empowering individuals and small businesses nationwide.

Why Join MMBL?

Be part of Pakistan’s largest digital microfinance network.
Play a key role in recovery management and compliance.
Opportunity for career growth in a dynamic banking environment.
Join a team that values innovation, teamwork, and customer-centric solutions.