Job Description

Location: Bahawalnagar Branch (01)
Positions: 1
Grade: AVP
Department: People & Organization

About the Role

The Area Manager Collections – Specialized Asset Management (SAM) at Mobilink Microfinance Bank Ltd. (MMBL) is responsible for overseeing end-to-end recovery activities for defaulted, specialized, and charged-off portfolios in the assigned area. This role ensures disciplined field execution, portfolio continuity, compliance with recovery standards, and achievement of recovery targets, in alignment with SAM strategies and governance frameworks.

Key Responsibilities

Execute approved recovery strategies for 90+ DPD, management-declared default, and charge-off portfolios.
Drive focused recovery efforts aimed at settlement, regularization, or resolution.
Monitor portfolio momentum and prevent stagnation.
Support escalation of cases to asset-backed recovery or litigation as required.
Directly supervise Team Leads and FCDOs in the assigned area.
Ensure:
- Proper customer coverage
- Timely field visits
- Accurate recording of visits, calls, and PTPs
Conduct field reviews and validate recovery interaction quality.
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 account reallocation promptly in case of staff resignation, absence, or attrition.
Ensure strict adherence to:
- SAM SOPs
- Fair Debt Collection Guidelines
- SBP and internal regulatory requirements
Act as the first control checkpoint for field recovery compliance.
Escalate breaches or compliance issues to the Regional Manager without delay.

Qualifications & Experience

Bachelor’s degree required (Master’s preferred).
Minimum 5–7 years of experience in:
- Collections
- Recovery
- NPL / default portfolio management
Proven experience in field team leadership is mandatory.

Key Competencies

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

Why Join MMBL?

Mobilink Microfinance Bank Ltd. serves 48+ million registered users, with 20+ million monthly active customers across Pakistan. With 114 branches, 270,000 branchless banking agents, and a robust digital/USSD platform, MMBL is a leader in financial inclusion.

We offer a collaborative and innovative environment, where your work directly impacts financial empowerment across the country. This role is ideal for someone passionate about transformative change and driving results in a dynamic banking environment.