Senior Manager/Manager Credit

3 weeks ago


Islamabad, Islamabad, Pakistan Zong CMPak Ltd Full time

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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