Job Description

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.