
Senior Manager/Manager Credit
3 weeks ago
Department & Function: Govt. & Corporate Sales
Position: Senior Manager/Manager Credit & Support Services
Location: Islamabad
Reporting to: Deputy Director Gov. & Corporate Sales & Services
Job Type: Permanent
Job Responsibilities:
- End to end management of Credits and Services business operations
- Suggest innovative collection strategies according to market conditions and over all post-paid segmentations
- Responsible for calculation of regional collection and recovery targets, calculation of run rate, remaining/achieved targets on daily basis
- Identify opportunities for automation and process optimization in credit evaluation, collections, and account reconciliation to improve operational efficiency
- Ensure adherence to internal audit standards and external regulatory compliance (PTA, SECP, etc.) related to credit, data protection, and collections
- Develop credit strategies that support customer retention while minimizing financial exposure. Lead initiatives for early risk detection and proactive engagement
- Ensure timely and accurately evaluation of credit limits for new and existing accounts as per defined policies
- Time to time credit & collection visibility for situational analysis of business recovery
- Maintain postpaid customers profiling according to credit worthiness, pay back history and debt capacity, debt ratio, aging of outstanding payment, debts burden & segmentation load
- Preparation & maintenances of PTA data, classification of corporate accounts according to PTA definition.
- Reconciliation of postpaid Bad Debts , Adjustments , Balance outstanding, billing revenue with finance, RA, Corporate sales and other postpaid stake holders
- Final settlement of post-paid accounts, refund of security deposit in appropriate way
- Conduct all relevant testing/audits for quality assurance of credit & support services
- Utilize data analytics tools to generate actionable insights from collections, aging, and risk exposure reports to support business strategy and policy refinement
- Conduct training on credit policies and tools, and ensure knowledge sharing to build team capabilities
Education:
- In principle have a minimum of Bachelors Degree or above
Work Experience:
- At least 5 years of relevant work experience
-
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