MANAGER – SCORING/COLLECTION (VP)

We are seeking an experienced Manager – Scoring/Collection (Vice President level) to join our Risk Management team at a leading bank located on M.T. Khan Road, Karachi. This on-site role offers a competitive monthly salary ranging from PKR 600,000 to 800,000. The successful candidate will work Monday to Friday, from 9:00 AM to 6:00 PM, and will report directly to the Senior Manager – Enterprise Risk. The position requires a bachelor’s degree or equivalent from an HEC-recognized institute, along with 6 to 8 years of relevant experience in credit risk and collections within the banking sector.

Key Responsibilities

- Establish and implement credit scoring and collection risk management frameworks tailored for the bank’s digital retail lending portfolio.
- Collaborate with external vendors to develop and enhance credit scoring models, scorecards, and automated decision rules.
- Develop customer segmentation and risk-based underwriting strategies using transactional, repayment, behavioral, and alternative data sources.
- Design and monitor Early Warning Indicators (EWIs) to proactively identify potential delinquency risks.
- Create and optimize collection strategies targeting both pre-delinquency and delinquency stages.
- Analyze portfolio performance metrics including delinquency trends, roll rates, cure rates, recovery rates, and vintage performance.
- Monitor the effectiveness of scorecards and establish risk-based cut-offs, thresholds, and decision rules to mitigate risk.
- Work closely with Credit Risk, Collections, Business, Data Analytics, and Technology teams to implement automated decision engines.
- Develop and maintain KPI/KRI reporting frameworks and provide analytical insights to senior management for informed decision-making.
- Ensure comprehensive documentation, governance, and continuous monitoring of scoring models and collection strategies to maintain compliance and effectiveness.

Required Qualifications

- Bachelor’s degree or equivalent from an HEC-recognized institution.
- 6 to 8 years of relevant experience in credit risk management, scoring, and collections within the banking or financial services industry.
- Strong expertise in credit scoring and scorecard development.
- Proficient in credit risk analytics and portfolio risk management.
- Experience with retail and digital lending risk frameworks.
- Knowledge of application, behavioral, and collection scorecards.
- Skilled in customer segmentation and optimizing collection strategies.
- Ability to analyze portfolio performance and monitor delinquency trends.
- Familiarity with Early Warning Indicators and pre-delinquency risk identification.

This is a full-time, in-person role offering an attractive salary package within a dynamic and growth-oriented banking environment. Candidates with a strong analytical mindset and proven leadership in credit risk and collections will find this opportunity rewarding.