Unit Head Collections and Recovery - GoPb - Digital Banking Group

The Bank of Punjab (BOP) is a premier, award-winning commercial banking institution and the definitive market pioneer in Priority Sector Banking. Celebrated for its aggressive growth trajectory, digital innovation, and elite customer solutions, BOP stands as an industry leader in both SME Banking and Agriculture Credit.

We invite applications for the position of Unit Head Collections and Recovery in our Collections and Recovery Division - Digital Banking Group.

Grade: Band-5 to Band-3

Location: Lahore

Job Responsibilities:

Manage the collections tele team across the country.
Lead, strategize, and manage centralized telephonic collection operations to effectively control delinquency and non-performing loans (NPLs).
Monitor monthly Collection/Recovery targets and enhance the reward/incentive plan for departmental performance improvement.
Motivate team members to meet their assigned targets through daily performance monitoring.
Proactively manage seasonal impacts on collections, recoveries, and delinquencies by implementing pre-emptive measures.

Tele-Collection Strategy and Operations:

Lead the tele-collection function, covering all delinquency buckets.
Develop and implement effective collection strategies to improve contractability and payment-to-promise (PTP) conversion.
Ensure achievement of collection targets and reduction in roll-forward rates.

Team Leadership and Management:

Lead and manage team leaders who oversee tele-collection officers (TCOs).
Responsible for manpower planning, rostering, performance management, and staff retention.
Conduct regular performance review meetings with team leaders to drive a performance culture.

Portfolio Analysis and Strategy:

Analyze collection reports, data cuts, and portfolio trends to identify risks and opportunities.
Review bucket-wise movements, vintage trends, promise kept rates, and flow rates to refine calling strategies.

Policy, Process, and Compliance:

Ensure the tele-operation functions within the approved collection policy and code of conduct.
Ensure compliance with regulatory guidelines regarding collection calling hours and customer interactions.
Promote discipline, punctuality, and professionalism on the tele-floor.

Coordination and Stakeholder Management:

Coordinate seamlessly with Field Collections for non-contactable and broken PTP cases.
Liaise with Recovery, Legal, and Risk departments for escalated and chronic accounts.
Coordinate with IT and support functions for system uptime and operational requirements.

Eligibility Criteria:

Qualification: Minimum Bachelor’s Degree from a HEC recognized University/Foreign University.

Experience: Minimum 09 years of relevant Banking/Non-Banking experience.

Age: Up to 55 years as of October 21, 2026.

Important Note:

a) Only shortlisted candidates shall be called for an interview. No TA/DA will be admissible.

b) The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.

c) The Bank is an equal opportunity employer. Females, Minorities, Differently Abled Persons – (DAP) and Transgender individuals are encouraged to apply.

d) The above position(s) carry market-based competitive remuneration.

e) Individuals fulfilling the above mentioned criteria are encouraged to apply online through the BOP career portal bop.rozee.pk Latest by October 21, 2026.

Skills

Coordination and stakeholder management Policy and Compliance Portfolio Analysis And Strategy Restful APIs Tele Collection Strategy And Operations

Job Details

Industry:

Banking/Financial Services

Functional Area:

Operations

Total Positions:

1 Post

Job Shift:

First Shift (Day)

Job Type:

Full Time/Permanent

Department:

Collections & Recovery Division (Digital Banking Group)

Job Location:

Lahore, Pakistan

Gender:

No Preference

Minimum Education:

Bachelors

Degree Title:

Minimum Bachelor’s Degree, from a HEC recognized University/ Foreign University.

Career Level:

Experienced Professional

Minimum Experience:

9 Years (Minimum 09 years of relevant Banking/Non Banking experience.)

Apply Before:

Oct 22, 2026

Posting Date:

Oct 06, 2026

The Bank of Punjab (BOP)

Banking/Financial Services · More than 5000 employees - Lahore

The Bank of Punjab was established in 1989 under The Bank of Punjab Act, 1989 passed by Provincial Assembly of the Punjab, as a non-scheduled Commercial Bank with majority shareholding of Government of the Punjab. The Bank earned the status of a scheduled Commercial Bank in 1994 and currently carries a vast network of over 620 online branches, strategically located across the Country along with an ATM network of over 550 offering 24/7 banking services to its diverse clientele of over 2 million. Since its inception, the BOP has seen many ups and downs and has also successfully weathered the waves of economic volatility, recessions and stiff market competition over the years. Current strong network base coupled with solid capital structure and phenomenal financial results posted during last few years has transformed the Bank to one of a leading financial institution of the Country. Now, the Bank standouts among peer group as a robust and rapidly growing commercial Bank. Besides offering a range of products and services to meet the modern days’ banking requirements of its clients, the Bank has also established its footprint in the areas of consumer financing, agriculture credit, corporate & investment banking, cash management and alternative delivery channels. While achieving the objective of financial inclusion through its presence in remote and unbanked areas of the Country with HarFardKaKhayal the Bank is playing its due role in the economic growth of the Country through its various specially tailored and designed products and services.