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Head of Collections and Recovery

Bank of Punjab is one of the fastest-growing banks in Pakistan, with a profound existence of over 35+ years. It operates through a network of 900+ real-time online branches and ATMs across the country. The Bank has established a strong foundation while offering premium banking services, focusing on unsurpassed value-added services for its customers through advanced solutions.

In line with the Bank's progression strategy, we invite applications from experienced, dedicated, and performance-driven professionals for the position of Head of Collections and Recovery in our Collection & Recovery Division (Digital Banking Group). This position offers an excellent opportunity for the right candidates desirous of building a long-term career in a dynamic organization.

Grade: Band-4 to Band-2

Location: Lahore

Job Responsibilities:

Design, implement, and periodically review the bank’s Collection & Recovery Policy and SOPs.
Ensure the entire department operates in strict alignment with the Code of Conduct and SBP guidelines to mitigate reputational and legal risks.
Manage the divisional budget, including recovery costs, litigation expenses, and third-party agency commissions.
Track and explore long-term health indicators (NPL ratios, Provisioning, and Roll-rate trends) to ensure a sustainable and healthy credit book.
Oversee the effective deployment of recovery tools including Litigation, Out-of-Court Settlements, and Auctioning of seized assets.
Categorize the portfolio into "Big Ticket" vs. "Mass Market" to allocate resources and specialized recovery strategies effectively.
Set annual and quarterly KPIs for Collections Unit Heads and conduct performance reviews based on roll-back rates and recovery targets.
Ensure the integrity of the Performance & Delinquency MIS, moving beyond daily tracking to predictive analytics—identifying "Inflow" trends before they become defaults.
Determine the staffing needs for field and tele-collections based on the volume of delinquent accounts.
Act as the primary liaison with Credit Initiation, FRMU (Fraud Risk), Card Operations, and Legal to resolve systemic issues leading to defaults.
Maintain oversight of the Fraud Reporting mechanism, ensuring that Unit Heads are identifying and escalating "First-Payment Defaults" or "Bust-out" fraud patterns.
Act as the final escalation point for complex customer grievances to ensure a balance between recovery and customer retention.
Maintain a strong focus on fraud accounts and timely reporting to the Fraud Unit for formal investigation.

Eligibility Criteria:

Qualification: Minimum Bachelor’s or equivalent degree from an HEC recognized local/foreign university.

Experience: Minimum 9 to 12 years relevant banking experience in Collection & Recovery.

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

Important Note:

Only shortlisted candidates shall be called for interview. No TA/DA will be admissible.
The Bank of Punjab reserves the right to accept or reject any application(s) without assigning any reason(s) thereof.
The Bank is an equal opportunity employer. Females, minorities, differently-abled persons (DAPs), and transgender individuals are encouraged to apply.
The above position(s) carry market-based competitive remuneration.
Individuals fulfilling the above mentioned criteria are encouraged to apply online through the BOP career portal bop.rozee.pk Latest by May21, 2026.

Skills

Fruad Reporting Mechanism Field Staffing Ensuring SBP Guidlines Collection and Recovery

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:

Bachelor\'s or equivalent degree from an HEC recognized local/foreign university

Career Level:

Experienced Professional

Minimum Experience:

9 Years (Minimum 9 to 12 years relevant banking experience in Collection & Recovery.)

Apply Before:

May 22, 2026

Posting Date:

May 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.

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