Lead FE Collection.Credit Management MBP

Mashreq NEO CORP; Pakistan; On-site; PKR 1,200,000 - 2,400,000; Full time

Job summary

You will handle multiple delinquency buckets, negotiate promises to pay, and monitor performance with accuracy and integrity. Strong communication and negotiation skills are essential.

Qualifications

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

Responsibilities

• Manage early delinquency buckets (Current, Reminder, 1–30 DPD, 31–60 DPD).
• Contact customers via telephone, SMS, email, WhatsApp and approved channels.
• Encourage timely repayments to prevent higher delinquency buckets.
• Negotiate repayment commitments and monitor promises to pay.
• Educate customers on payment obligations and resolve queries.
• Maintain professional, courteous interactions with customers.
• Prioritize high-risk accounts and monitor portfolio daily.
• Escalate vulnerable or potentially fraudulent cases as needed.
• Follow Fair Collection Practices and SBP regulations.
• Prepare daily collection activity reports and recovery metrics.

Skills

Negotiation

Skip tracing

Collections systems

MS Office

Communication skills

Education

Bachelor's degree

Tools

Collection dialers

Collection management systems

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