COLLECTION MANAGER - SCF

PeopleStrong; Uppal; On-site; PKR 800,000 - 1,100,000; Full time

Job summary

PeopleStrong is seeking a seasoned Collection Manager to oversee early delinquency (0-30 days DPD) within our SCF/MSME portfolios. You will blend on-ground field collections with administrative precision to protect credit health.

You will lead strategic field follow-ups, perform mandatory visits for high-value cases, and coordinate with Sales to re-utilize credit limits. Legal escalations will be managed with the Legal Team, with audits to ensure compliance.

Qualifications

• 3-5 years of core experience in Collections, specifically within SCF or MSME lending.
• Graduate/Post-Graduate in Finance, Commerce, or related field.
• Strong negotiation, relationship management, and field-visit analysis skills.
• Willingness to travel frequently.

Responsibilities

• Strategic Field Collections (0-30 Days DPD): lead follow-ups and mandatory direct visits to customer premises for high-value cases.
• Legal Escalation & Compliance: partner with Legal Team for Loan Recall Notices and oversee NACH/Cheque presentations.
• Business Continuity Audits: conduct on-site inspections for repeat defaulters and assess operational risks.

Skills

Negotiation

Relationship management

Field visits

Analytical thinking

Education

Graduate/PG in Finance or Commerce

Tools

MSME lending knowledge

Cash flow-based lending

Legal frameworks (Sec 138/Sec 25)

Job description

Job Description: Collection Manager (Early Bucket - SCF/MSME)

We are looking for a seasoned Collection Manager with a strategic mindset to oversee our early-stage delinquency portfolio (0-30 days DPD). This role requires a professional who can blend on-ground grit with administrative precision to maintain the health of our Supply Chain Finance (SCF) and MSME portfolios.

As a manager, you will be responsible not only for debt recovery but also for identifying business risks and ensuring the seamless re-utilization of credit limits.

Key Responsibilities

1. Strategic Field Collections (0-30 Days DPD)

• Lead and execute direct follow-ups for accounts in the early delinquency stage.
• Perform mandatory direct visits to customer premises for high-value or sensitive DPD cases to ensure immediate payment collection.
• Act as the bridge between Collections and Sales: Once payments are collected, proactively coordinate with the Sales Team to encourage the borrower to utilize their credit limits again, ensuring no loss in business momentum.

3. Legal Escalation & Compliance

• For borrowers failing to settle dues within the 30-day window:
  • Partner with the Legal Team to initiate Loan Recall Notices (LRN).
  • Oversee NACH/Cheque presentations and ensure all legal formalities are strictly adhered to.
  • Maintain a tracking mechanism for all legal notices issued.

4. Business Continuity Audits

• For repeat defaulters, conduct deep-dive on-site inspections of the borrower’s business operations.
• Assess and report on whether the business is functional, identifying any operational risks that might lead to future defaults.

Candidate Profile

• Experience: 3-5 years of core experience in Collections, specifically within SCF (Supply Chain Finance) or MSME lending.
• Education: Graduate/Post-Graduate in Finance, Commerce, or a related field.
• Technical Knowledge: Deep understanding of the MSME ecosystem, cash flow-based lending, and legal frameworks (Sec 138/Sec 25).
• Skills: High-level negotiation, relationship management, and the ability to analyze business health during field visits.
• Travel: High mobility is required; the candidate must be comfortable with frequent field travel.

Performance Indicators

• Roll-Back Rate: Effectiveness in preventing 0-30 DPD accounts from moving into older buckets.
• Limit Re-utilization: Success in getting customers back into the active 'Sales' cycle post-payment.
• Audit Accuracy: Precision in reporting business status for repeat offenders.