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- Responsibilities include achieving the assigned recovery targets for Non-Performing Loans (NPLs) and written-off portfolios. This also involves actively pursuing recovery from pre-charged off, charged off, written-off, and skip accounts, with a focused approach in alignment with the regulatory framework set forth by the SBP s Fair Debt Collection Guidelines, as well as MMBL internal policies and procedures. The position will also ensure exemplary service delivery in all customer interactions, ad
- Collection & Recovery Management
- Guarantee timely field visits to delinquent customers, ensuring an efficient and structured visit schedule is followed to ensure all collection & recovery targets are met through effective negotiations
- Ensure collections in strict compliance with SBP s Fair Debt Collection Guidelines, providing daily updates on visited accounts to the designated line manager.
- Work towards reducing Non-Performing Loan (NPL) provisions, take responsibility for the collection of delinquent accounts classified as NPLs and Loss (charged-off) & adhere to Promised To Pay (PTPs).
- Address and resolve customer queries or complaints raised during visits or calls, promptly escalating any unresolved issues to the line manager.
- Portfolio Management:
- Ensure follow-up as per defined frequency, timely delivery of recovery letters and notices to all defaulting customers, adhering to established timelines.
- Perform regular portfolio performance reviews and proactively manage collections through desk reviews, ensuring that key portfolio and collection metrics remain within the assigned benchmarks.
- Compliance & controls:
- Maintain a strong understanding of consumer protection laws, debt recovery regulations, and the bank's internal procedures to ensure all actions are ethical and lawful.
- Ensure compliance and reduce legal and reputational risks associated with collections.
- Handle escalated customer issues, disputes, or complaints, ensuring resolution while adhering to the bank s policies.
- Any other task:
- Bank may assign any other related task from time to time
- Required Qualification & Experience:
- Hold Bachelor Degree from a reputable Institution
- Having experience of more than 1 years in the area of collection & recovery
- Essential Skills
- Strong organizational skills
- Proficient in MS Office
- Sound communication and interpersonal skills
- Ability to work independently
- Ready for mobility
- Ability to work under pressure
Mobilink Bank
Mobilink Bank is providing banking services to over 42 million registered users including 16+ 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 100 branches and 200,000 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.
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