Recovery Officer Job 2023

Khushhali Microfinance Bank Limited – (KMBL), All Cities, Pakistan

Job Description

  • Responsible for the achievement of assigned monthly recovery targets through effective field visits and Calling techniques·     
  • Conduct Calls/Visits for the recovery over the allocated pool according to the SBP Fair Debt Collections guidelines.·    
  • Maintain office decorum and punctuality and neatness of self and department.
  • To extend field support for improving the resolution of collection buckets (as per requirement) and minimizing the NPL provisions to meet the set organizational goals.·
  • Ensure that all the customer’s queries/complaints which have been raised during the calls and visits, are properly resolved and should be highlighted to the next level
  • Maintaining a good relationship between the bank and the clients by resolving clients’ queries which would assist the collection process.   
  • Undertake regular and frequent calls, and follow-ups to implement remedial strategies and action plans agreed upon with Team Lead       
  • Ensure timely handing over (physically/surface mail) of recovery letters/notices to all defaulting customers as per set frequencies     
  • Regular Portfolio performance review and proactive collection perusal through desk reviews & field follow-ups ensuring key portfolio and collection indicators are within the assigned benchmarks.      
  • Meet internal service standards and ensure no service-related complaints are received from customers.
  • Address customer complaints in line with KMBL complaint handling & SBP FTC guidelines

Required Education & Experience:

  • Minimum Graduation however preferably a Master’s degree from HEC recognized /Overseas University, in business administration/banking & finance/commerce/accounting/agriculture or economics.
  • Minimum 1.5 + years of experience with a financial institution in credit/collections operations or retail environment.
  • Exposure to retail/consumer finance will be an additional advantage
  • Candidates have their own motorbike with a valid driving license.


  • Strong follow-up & negotiation skills.
  • Thorough understanding of compliance and regulatory requirements for collection and recovery.
  • Adaptability/flexibility in fieldwork, relocation, and extended working hours.

Job Skills

Credit Collection RecoveryRecovery ManagementNegotiation Skills

Job Details


Banking/Financial Services

Functional Area:

Sales & Business Development

Job Shift:

First Shift (Day)

Job Type:



Retail Branch Banking

Job Location:

All Cities, Pakistan


No Preference

Minimum Education


Degree Title

Preferably Master

Career Level

Entry Level


Fresh – 2 Years

Apply Before:

Jan 22, 2023

Posting Date:

Dec 21, 2022


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