Experience Required: 10+ Years
Education: Master’s Degree

Job Overview

Habib Bank Limited is seeking an experienced and results-driven Head Remedial & Recovery to lead recovery operations within Agriculture Banking. The role focuses on maximizing recoveries, minimizing non-performing loans (NPLs), ensuring regulatory compliance, and leading high-performing teams across Pakistan.

Key Responsibilities

Financial Management

• Drive achievement of recovery targets by translating goals into actionable plans for regional teams (RRLMs).
• Conduct regional visits, performance reviews, and strategy meetings with Recovery Officers and RALMs.
• Control incremental provisioning and ensure adherence to allocated budgets.
• Monitor NPL portfolio, prevent downgrading, and improve recoveries in high-risk segments.
• Guide regions on legal suit filing in line with bank policy, including coordination with litigation teams and auction processes.
• Evaluate and process settlement proposals and recommend approvals under business settlement policies.
• Oversee write-off cases ensuring compliance with internal credit policies and SBP prudential regulations.

Risk Management & Compliance

• Coordinate with regulatory bodies including SBP, and manage internal/external audits.
• Address audit observations and ensure timely resolution.
• Maintain compliance with banking regulations and internal governance frameworks.

People Management

• Lead and mentor a team of recovery specialists (RRLMs).
• Allocate targets and provide continuous coaching to enhance performance.
• Conduct HR needs assessments aligned with business objectives.

Cross-Functional Coordination

• Collaborate with departments including Risk Management, Operations, Structured Credit, and Branch Banking.
• Ensure smooth communication and timely resolution of operational challenges.

Required Skills & Expertise

• Strong background in banking recovery, credit risk, and portfolio management
• In-depth knowledge of credit policies and SBP prudential regulations
• Proven leadership and team management capabilities
• Experience in litigation processes, settlements, and loan recovery strategies
• Excellent analytical, negotiation, and stakeholder management skills

Why Join Habib Bank Limited?

• Work with one of Pakistan’s leading banking institutions
• Opportunity to lead nationwide recovery operations
• Competitive compensation and career growth
• Dynamic and professional work environment

How to Apply

Interested candidates are encouraged to apply before the deadline. Only shortlisted candidates will be contacted.