Job description of recovery Manager
1.Responsible for planning, evaluating, implementing and continuously improving all aspects of recovery functions and processes
2.Ensuring professional relationships are established and maintained with clients and attorneys
3.Working closely with Regional Head of Recovery to respond recovery concerns with existing and potential clients
4.Review information about financial status of customers and status of collection efforts
5.Correspondence with Legal Department for Filing of suits against bank employees for recovery of embezzled amount and defaulted customers.
6.Responsible for the publications of ads in newspapers for employees who have embezzled the customer recovery amount.
7.Confer with customers to determine reasons for overdue payments and to review the terms of service, and credit contracts.
8.Review reports & share reports to Supervisor on recoveries status.
9.Carry out any other tasks assigned by the Head of Recovery/ Regional Head of Recovery

Job description of recovery supervisor
Reviews delinquent account records to determine which customers must be contacted for collection of overdue accounts.
Organizes collection work load according to degree and amount of delinquency and assigns accounts to recovery officers for collection.
May assist subordinates with collection activities in difficult cases
Identifies areas of the collection process that need improvement and implements an enhanced process that will help collectors be more effective.
Tracks the rate of success of the entire process and continues to make adjustments when necessary.
Negotiates payment arrangements and follows up to make sure the payments are made.
Carry out Investigations and collect delinquent accounts and communicate the related issues to senior management.  
Authorizes or refers accounts to manager for repossession and legal actions against debtors.
Comply with requirements when legal action is unavoidable.
Prepare reports & share reports to Supervisor on recoveries status.
Ensure compliance of SBP prudential regulations.
Arrange the sale of collateral of delinquent TSQ as per procedure and process approved by the management. 
Ensure and monitor the collateral sale will be done after completion of all necessary documentations.
Monitoring of Shroff’s from Time to Time.

Branch Manager Responsibility: •
Directed the growth of the branch by developing new strategy focused on portfolio enhancement and profitability while managing customer relationship with the highest level of professionalism. •
Managed the operations, monitoring, motivating and retaining support staff as well as managed good relationship with loan Officers. •
Demonstrated the ability to build a team and work effectively with others to accomplish goals and objectives.
Overseen all branch functions including recovery, loan opening, Closing, post –closing and other administrative functions. •
Obtain and compile copies of loan applicants\' credit histories, corporate financial statements, and other financial information. •
Follow Company policy and procedure. •
Reporting to Area manager Directed the process to maintain clients from the time of initial application,
monitoring all activities including appraisal and underwriting document.

Assistant Branch Manger Responsibility: • •
Target of New Small business Client And Small Medium Enterprises, Met with clients to present all financing options,
obtained complete applications for loan including follow- up for documentation required for processing in accordance with ASA Pakistan policy and procedures. •
50% Vary fiction Of Repeat Small Loan Clients • Managed the operations, mentoring, motivating and retaining support staff as well as managed good relationship with loan Officers •
Branch Dominations Maintain ,Check daily Closing

loan officer Responsibility: •
Met with clients to present all financing options, obtained complete applications for loan including follow- up for documentation required for processing in accordance with ASA Pakistan policy and procedures. •
Directed the process to maintain clients from the time of initial application, monitoring all activities including appraisal and underwriting document. •
Educated clients by explaining complex financial concepts in a clear and concise manner