Head of Collections & Recovery | Strategy, Risk & Automation

Raqami Islamic Digital Bank Ltd.; Karachi Division; Presencial; PKR 12.000.000 - 18.000.000; Jornada completa

Descripción de la vacante

Raqami Bank seeks an experienced Unit Head to lead Collections & Recovery across Retail and SME portfolios. You will design and drive strategies to minimize delinquencies, maximize recoveries, and ensure compliant, ethical, Shariah‑aligned practices.

Responsibilities cover leadership of collections operations, vendor management, litigation coordination, analytics, and reporting. You will build a high‑performing team and collaborate with Risk and Legal to safeguard portfolio quality.

Formación

• Minimum 12–15 years in banking with strong exposure to Collections & Recovery, Consumer Finance, SME Banking, and Risk Management.
• Minimum 5 years in a senior leadership role managing collections and recovery operations.
• Experience in Islamic Banking, Digital Banking, and unsecured lending portfolios is an added advantage.

Responsabilidades

• Develop and execute collections and recovery strategy across Retail and SME portfolios.
• Lead collections operations for Personal Finance, Auto Finance, House Finance, BNPL, SME Financing, and Business Banking.
• Monitor delinquency trends, roll rates, cure rates, and non-performing finance levels.
• Design and implement early-, mid-, and late-stage collections strategies.
• Develop portfolio segmentation and customer treatment strategies based on risk profiles.
• Oversee recovery initiatives for non-performing and high-risk accounts.
• Manage outsourced collection agencies, recovery vendors, legal firms, and field recovery resources.
• Establish SLA frameworks, governance structures, and scorecards for partners.
• Collaborate with Legal on litigation and enforcement actions.
• Work with Risk to identify emerging risk trends and vulnerabilities.
• Monitor costs, recovery efficiencies, and program performance.
• Implement digital collection tools, analytics, and automation initiatives.
• Ensure SBP regulatory compliance and Shariah principles.

Conocimientos

Collections & Recovery

Delinquency Analytics

Portfolio Analytics

Credit Risk

Vendor Management

Litigation Coordination

Process Automation

Regulatory Compliance

Performance Management

Team Leadership

Educación

Bachelor's in Business/Finance

Master's or professional qualification preferred

Descripción del empleo

Raqami Bank seeks an experienced Unit Head to lead Collections & Recovery across Retail and SME portfolios. You will design and drive strategies to minimize delinquencies, maximize recoveries, and ensure compliant, ethical, Shariah‑aligned practices.

Responsibilities cover leadership of collections operations, vendor management, litigation coordination, analytics, and reporting. You will build a high‑performing team and collaborate with Risk and Legal to safeguard portfolio quality.