Team Lead (TL) – Collection

Mobilink Microfinance Bank Ltd; Pakistan; On-site; PKR 669,600 - 892,800; Full time

Job summary

Mobilink Microfinance Bank Ltd is looking for a Team Lead (TL) for Collections in their Deepalpur Branch. The Team Lead will coordinate collections and recovery operations, manage performance metrics, and ensure compliance with bank policies.

The ideal candidate will possess a graduation degree in a relevant field, have a minimum of 2 years of experience in debt recovery and collection, and show strong communication and leadership skills. The role requires fieldwork and active team management.

Qualifications

• Minimum 2 years of experience in debt Recovery & Collection.
• Understanding of compliance and regulatory requirements for MMBL products.
• High level of mobility due to permanent field work.

Responsibilities

• Conduct portfolio performance reviews and manage collections.
• Assist & guide team in enhancing collection performance techniques.
• Ensure compliance with all bank policies and procedures.

Skills

Sound knowledge of lending principles

Team player

Strong communication skills

Proficient in MS Office Suite

Education

Graduation degree in business administration or related field

Job description

What is Team Lead (TL) – Collection MMBL?

Responsible for directions & coordination regarding collections & recovery of assigned portfolio, bad debt analyzing, monitoring, and reporting. Lead the branch FCDOs effectively to ensure the achievement of assigned collection & recovery benchmarks in accordance with MMBL policies and SBP regulations.

What Team Lead (TL) – Collection MMBL does?

• 1. Collection Management
  • • Conducting Portfolio performance reviews and proactive collection perusal, ensuring key portfolio indicators NPLs 210+ DPD C/Off are within the assigned benchmarks.
  • • Maintain and record all accounts, commitments and PTP made with the customers.
  • • Implement and monitor appropriate collections activities to ensure customers pay to agreed terms & maintain the C&R log accordingly.
  • • Ensure that there is adequate Feet on street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from FCDOs on delinquent portfolio classified as C/Off (210+ DPD) and Loss (Charged off).
• 2. Portfolio Performance Reviews & analysis
  • • Keep abreast assigned team about the updated (daily) delinquent reports & performance.
  • • Assign borrower wise risk rating of all NPLs 210+DPD borrowers based on feedback from team/visits and chances of collection.
  • • Ensure all crucial MISs are shared down the line with respective staff members to achieve the maximum output and daily/weekly targets.
  • • Conducting regular analysis/performance reviews & update the line management on timely basis.
  • • On random basis or / and by instruction from line management, assess client’s repayment capacity, credit appraisal quality (nonperforming or written off loans) & update the branch/area management about gaps and areas of improvement.
  • • Assist & guide FCDOs in devising collection performance enhancing techniques and ensure enforcement / execution at field level in tight coordination with line manager.
  • • Acts as a point of contact at branch level on behalf of bank for litigation cases pertaining to bad debts
  • • To hold regular team meetings in order to timely and effectively communicate unit plans and targets, discuss issues and recognize success.
  • • Initiate and ensure timely handing over (physically/surface mail) of recovery letters/notices to all defaulting customers as per set frequencies
• 3. Compliance & Service Quality
  • • To ensure that the team deals with all customers complaints in line with the complaints process and adhering to the Code of Conduct
  • • Responsible to make sure that all the bank policies, procedures, SBP code of conduct and fair Debt Guidelines, dunning process, cheques return process, reversal and settlement policies and all the Operational standards (both internal and External) are met for doing business.
  • • Ensure effective and standardized internal control, and report as per MMBL policies and SBP regulations.
• 4. Team Building & Management
  • • Ensure team is well trained and have complete knowledge of banking processes and policies to maintain the high level of customer services
  • • Effectively manage team, identify skill gap and impart on job training to make their team knowledge and skills in accordance with their job requirement.
  • • Intimate HR department for training and development needs of team / individual.

What are we looking for and what does it require to be Team Lead (TL) – Collection MMBL?

• • Preferably a graduation degree in business administration, commerce, accounting, economics, finance, math, stats from HEC recognized/overseas university.
• • Minimum 2 year of experience in debt Recovery & Collection.
• Skills
  • • Sound knowledge of lending principles.
  • • Team player and cross functional relationship building.
  • • Understanding of compliance and regulatory requirements for each MMBL product.
  • • Strong communication skills with excellent customer focus.
  • • High level of mobility due to permanent field work.
  • • Proficient in MS office Suite.
  • • Exhibits and upholds MMBL’s values and social performance objectives.

Job Location

• Deepalpur Branch