The Area Manager Collections – Specialized Asset Management (SAM) is responsible for end-to-end execution and control of recovery activities for defaulted, specialized, and charged-off portfolios within the assigned area. The role ensures disciplined field execution, portfolio continuity, compliance with recovery standards, and achievement of assigned recovery targets, in line with approved SAM strategies and governance framework.
Key Roles & 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
• Support escalation of cases to asset-backed recovery or litigation, where applicable
• Directly supervise Team Leads and FCDOs within the assigned area
• Ensure:
o Proper customer coverage
o Timely field visits
o Accurate recording of visits, calls, and PTPs
• Conduct field reviews and validate quality of recovery interactions
• Enforce zero tolerance for:
o Cash collection in field
o Harassment or unethical practices
o Unauthorized commitments
• Ensure correct allocation and tagging of default accounts among FCDOs
• In case of resignation, absence, or attrition of any field staff:
o Ensure re-tagging of all assigned accounts within 2–3 working days
o Allocate cases to approved alternate FCDOs
• Ensure no recovery lapse due to staff movement
• Ensure strict adherence to:
o SAM SOPs
o Fair Debt Collection Guidelines
o SBP and internal regulatory requirements
• Act as the first control checkpoint for field recovery compliance
• Escalate breaches or control issues to Regional Manager without delay
• Bachelor’s degree (Master’s preferred)
• Minimum 5–7 years of experience in:
o Collections
o Recovery
o NPL / default portfolio management
• Proven experience in field team leadership is mandatory
Key Competencies
• Strong execution and control mindset
• Leadership and people management capability
• High integrity and regulatory awareness
• Ability to manage pressure portfolios and sensitive recoveries
• Strong coordination and escalation skills
Job Locations:
Layyah Branch
About MMBL:
Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion.
MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
Why Join MMBL ?
This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.