Job Description

Location: Layyah Branch

The Area Manager Collections – Specialized Asset Management (SAM) at Mobilink Microfinance Bank Ltd. (MMBL) leads recovery operations for defaulted, specialized, and charged-off portfolios within the assigned area. You will ensure disciplined field execution, portfolio continuity, regulatory compliance, and achievement of recovery targets in line with SAM strategies and governance standards.

Key Responsibilities

Execute recovery strategies for 90+ DPD, management-declared default, and charge-off portfolios.
Drive settlements, regularization, or resolution to maintain portfolio health.
Monitor recovery progress and prevent stagnation.
Escalate complex cases to asset-backed recovery or litigation when required.
Supervise Team Leads and FCDOs in the assigned area:
- Ensure proper customer coverage and timely field visits
- Accurately record visits, calls, and PTPs
Conduct field reviews to validate recovery quality.
Enforce zero tolerance for:
- Cash collection in the field
- Harassment or unethical practices
- Unauthorized commitments
Ensure correct allocation and tagging of default accounts.
Manage staff movement: re-tag accounts and allocate cases promptly to avoid recovery lapses.
Strictly adhere to SAM SOPs, Fair Debt Collection Guidelines, SBP, and internal regulations.
Act as first control checkpoint for field recovery compliance and escalate breaches promptly.

Qualifications & Experience

Bachelor’s degree required; Master’s preferred.
5–7 years’ experience in collections, recovery, or NPL/default portfolio management.
Proven field team leadership experience is mandatory.

Key Competencies

Strong execution and control mindset
Leadership and people management skills
High integrity and regulatory awareness
Ability to manage high-pressure portfolios and sensitive recoveries
Strong coordination and escalation skills

Why Join MMBL?

Mobilink Microfinance Bank Ltd. serves over 48 million registered users across Pakistan with a hybrid model combining traditional microfinance and digital banking. With 114+ branches and 270,000 branchless banking agents, MMBL provides USSD-based digital banking services, MSME and housing loans, remittances, insurance, and more.

At MMBL, you will work in a positive, collaborative, and customer-centric environment, driving transformative change while empowering millions in the digital age.