• Division: Digital Banking Group (Collection & Recovery)
• Grade: Band-4 to Band-2

The Bank of Punjab is one of the fastest-growing banks in Pakistan, with over 35+ years of excellence and a strong nationwide presence of 900+ online branches and ATMs. The Bank is committed to delivering innovative, value-driven financial solutions through modern digital banking services.

In line with its strategic growth, the Bank invites applications from experienced, dynamic, and performance-driven professionals for the position of Head Collections & Recovery (Digital Banking Group) in its Collection & Recovery Division.

📌 Key Responsibilities

• Design, implement, and periodically update Collection & Recovery policies and SOPs
• Ensure full compliance with SBP regulations and internal Code of Conduct to mitigate legal and reputational risks
• Manage divisional budget including recovery costs, litigation expenses, and third-party agency commissions
• Monitor portfolio health indicators such as NPL ratios, provisioning, and roll-rate trends
• Oversee recovery strategies including litigation, settlements, and auctioning of recovered assets
• Segment portfolio into “Big Ticket” and “Mass Market” accounts for effective recovery planning
• Define KPIs for unit heads and evaluate performance based on recovery targets and roll-back rates
• Strengthen MIS systems with predictive analytics for early default detection
• Determine staffing needs for field and tele-collections teams
• Liaise with Credit, FRMU, Card Operations, and Legal teams to resolve systemic issues
• Monitor fraud patterns including first-payment defaults and bust-out cases
• Ensure timely escalation of fraud cases to Fraud Risk Unit
• Act as escalation point for complex customer recovery disputes, balancing recovery and retention

🎓 Eligibility Criteria

• Education: Minimum Bachelor’s degree (or equivalent) from an HEC-recognized local or foreign university
• Experience: 9 to 12 years of relevant banking experience in Collection & Recovery
• Age Limit: Up to 55 years at the time of application

⚠️ Important Notes

• Only shortlisted candidates will be contacted for interviews
• No TA/DA will be admissible
• The Bank reserves the right to accept or reject applications without assigning any reason
• The Bank is an equal opportunity employer. Females, Minorities, Differently Abled Persons (DAPs), and Transgender individuals are strongly encouraged to apply
• Competitive market-based remuneration will be offered

🔎 Source: Official Careers Portal

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