Lead FE Collection.Credit Management MBP

Mashreq Careers; Pakistan; On-site; PKR 1,004,000 - 1,674,000; Full time

Job summary

Mashreq Careers in Pakistan is seeking an experienced Retail Collections Specialist to manage early delinquency accounts.

You will engage customers via calls, messages and approved channels, negotiate settlements, and log promises to pay while ensuring SBP compliance and professional service.

The role requires 3–4 years in Retail Collections, with experience in credit cards and personal loans, and proficiency with collection dialers and MS Office.

Qualifications

• Bachelor's degree required.
• 3–4 years in Retail Collections.
• Experience in Credit Cards and Personal Loans.
• Experience with collection dialers and collection management systems.

Responsibilities

• Manage early delinquency buckets (Current, Reminder, 1–30 DPD, and 31–60 DPD as assigned).
• Contact customers through telephone, SMS, email, WhatsApp, and other approved channels.
• Encourage timely repayments before accounts roll into higher delinquency buckets.
• Negotiate repayment commitments. Record promises to pay (PTPs) and monitor fulfillment.
• Educate customers regarding payment obligations. Resolve payment-related queries.
• Maintain professional and courteous interactions.
• Monitor assigned portfolio daily. Prioritize high-risk accounts.
• Escalate vulnerable or potentially fraudulent cases.
• Follow Fair Collection Practices. Ensure compliance with SBP regulations, Internal Policy
• Daily collection activity reports. PTP tracking. Roll-rate monitoring. Recovery performance reports.

Skills

Negotiation

Skip tracing

MS Office

Collection systems

Communication

Education

Bachelor's degree

Tools

MS Office

Job description

Job Purpose

To manage early-stage delinquent retail accounts through proactive customer engagement, ensuring timely recovery while maintaining excellent customer relationships and compliance with regulatory and bank standards.

Key Result Areas

• Manage early delinquency buckets (Current, Reminder, 1–30 DPD, and 31–60 DPD as assigned).
• Contact customers through telephone, SMS, email, WhatsApp, and other approved channels.
• Encourage timely repayments before accounts roll into higher delinquency buckets.
• Negotiate repayment commitments. Record promises to pay (PTPs) and monitor fulfillment.
• Educate customers regarding payment obligations. Resolve payment-related queries.
• Maintain professional and courteous interactions.
• Monitor assigned portfolio daily. Prioritize high-risk accounts.
• Escalate vulnerable or potentially fraudulent cases.
• Follow Fair Collection Practices. Ensure compliance with SBP regulations, Internal Policy
• Daily collection activity reports. PTP tracking. Roll-rate monitoring. Recovery performance reports.

Knowledge, Skills and Experience

Qualifications

• Bachelor's degree.

Technical Skills

• Negotiation & Skip tracing
• Collection systems and MS Office
• Good Communication skills

Experience

• 3–4 years in Retail Collections.
• Experience in Credit Cards and Personal Loans.
• Experience with collection dialers and collection management systems.

Competency

• Persuasion and negotiation
• Customer Service Orientation
• Resilience
• Time management
• Integrity
• Problem Solving and Teamwork