Key Responsibilities:

• Job requires leadership skills which lead to manage a self-motivated team of professionals to purse outstanding debt.· 


• To create new techniques and steps to get the job done with maximum effectiveness.·    


• Work proactively through market intelligence in providing feed back to the management.


• Monitor and share Area coordinators, team leaders’ and officers’ performance with flows and normalization with the management.·      


• To ensure across the board utilization / monitoring of entire CRU team under his belt for achieving productivity.·       


• Ensure that settlement policy to be accurately utilized with controlling over wavier percentage.·      


• To make sure that CRU team is well trained and has complete knowledge of work.· 


• To conduct one on one session with the staff and hold regular / monthly group session to appraise the staff about the collection and recovery performance.·     


• To share critical MIS’s with staff.·   


• Ensure team is well trained and have complete knowledge of banking processes and policies to maintain the high level of customer services·   


• To monitor respective area’s performance.·    


• Coordination with Recovery Team deployed acorss areas·  


• Regularly review the accounts, identify skip accounts at early stages, maintain forward flows of the accounts etc. to control the delinquencies and collection efficiencies.


• Allocation of accounts in all products that could also have impact on incentive disbursements. 

Portfolio Management· 

• Ensure to adopt fraud prevention aspect by applying necessary monitoring measures among the areas.·   


• Maintain open and effective communication with legal department, area offices and HO to facilitate successful settlement of debt through legal action·  


• To serve as the holder of strict adherence to productivity standards of collections and recovery.·   


• To ensure that proper infrastructure remains in place all the time and any/ all issues related to infrastructure is resolved on priority basisService Quality


• Address customer complaints in line with KMBL complaint handling guidelines·  


• Ensure that all Customer Services related complains/ queries to be resolved within TAT· 


• All collection bucket inflows and recovery to be maintained within assigned targets· 


• Ensure that customer queries/ complaints are replied and resolved in a timely manner

 Compliance· 

• To look after the performance of all the collections staff (Tele-callers, Field officer, Recovery officer, Team Leads and Area Coordinators)·    


• Liaison between the management and down the line staff.·   


• Thoroughly review Prudential Regulations for MFBs to ensure policy compliance.

Required Education & Experience:·  

• Preferably Master’s in Business Administration, Commerce, Economics, Agriculture, Banking or Accounting from an HEC recognized / overseas university     


• Total experience over 10 years in the field of Collections and Recovery, along with minimum 6 years of managing a team in Financial sector·    


• The incumbent will be responsible to look after other business divisions too as per line manager’s instruction·  


• Applicants from Karachi/Hyderabad, Bahawalpur, Multan and Lahore are encouraged to apply

Skills

• Default Collection Management·       


• Exhibits and upholds highest ethical, integrity and social performance values.· 


• Well organized with excellent communication & time management skills.


• Customer focused and good understanding of SBP’s Fair Debt collection policies.·


• Strong understanding of banking products especially credit products.