发布 Dec 20, 2024 137 查看
- The position is responsible for managing and mitigating portfolio losses through the development and implementation of efficient and prudent collection strategies. This role ensures that the bank meets its collection & recovery benchmarks while adhering to the State Bank of Pakistan s (SBP) Fair Debt Collection Guidelines and bank internal policies and procedures. The Head C&D will play a key role in formulating a robust default management strategy that aligns with the bank s strategic business objectives. Additionally, the role emphasizes exceptional service delivery, ensuring that all collections actions comply with the regulatory framework on the Fair Treatment of Customers, maintaining a balance between effective collections and customer care.
- Strategy Development & implementations:
- Develop and implement a robust & new collection & default strategy in line with bank business objectives while ensuring implementation of an effective structure to maximize recoveries against Non-Performing Loans and charged-off account.
- Monitor collection budgets, forecasts, and variances, ensuring proper financials & monitoring of delinquent portfolio.
- Create a feedback loop with line management to assess the efficiency and effectiveness of collection and default processes, and recommend improvements as needed.
- Develop and update policies, procedures, and guidelines to govern collection activities & providing on-job staff trainings
- Monitoring Collection & Default Benchmarks:
- Monitoring of delinquent portfolio bucket wise, region, branch and individual as per bank policy (secured & Un-secured) and regulatory guidelines.
- Conduct regular market intelligence to identify unforeseen portfolio risks and update stakeholders on potential issues and the corresponding remedial strategies.
- Refer high-risk delinquent cases to the legal department for initiating legal proceedings to recover outstanding amounts.
- Assign targets to staff and monitoring the achievements as per overall objectives & default management strategy.
- Policy Compliance & Internal control:
- Implement and enforce internal control procedures to ensure all functions under supervision adhere to established processes and guidelines.
- Ensure fair treatment mechanism within the unit and default management guidelines provided by the SBP
- Governance & Administration:
- Assist CBO in Board & Governance matters.
- Ensure reports submissions to all the stakeholders as per defined timelines and protocols.
- Other Tasks:
- Other Tasks assigned by line manager from time to time
- Bachelor s degree in Finance, Business Administration, or a related field. A Master s degree or professional certification in collections or finance is a plus.
- Minimum of 10 years of experience in collections & Default management at managerial level
- Experience in the microfinance or banking industry, specifically managing collections teams, is highly preferred.
- Proven track record of achieving collection targets, managing teams, and implementing effective recovery strategies.
- Essential Skills
- Strong organizational skills & Team Management skills
- Strong Leadership skills
- Proficient in MS Office
- Sound communication and interpersonal skills
- Ability to work independently
- Ready for field visits frequently
- 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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