On behalf of our client, we're recruiting an experienced Head of
Collections to lead and manage the end-to-end loan recovery function
for a microfinance institution offering revolving credit to small business
owners with flexible weekly repayment structures. The role is
responsible for driving collections performance, reducing portfolio at
risk (PAR), enforcing credit policies, managing internal and external
collection teams, and ensuring sustainable loan book quality while
balancing customer retention and responsible recovery practices.
Responsibilities:
- ✓ Develop and implement collections strategies aligned to weekly
repayment models.
- ✓ Lead, manage, and coach internal debt collection teams and
external agencies.
- ✓ Monitor and control portfolio at risk (PAR), delinquency ratios,
and recovery performance.
- ✓ Ensure daily, weekly, and monthly collections targets are
achieved.
- ✓ Oversee early, mid, and late-stage delinquency management
processes.
- ✓ Review and approve repayment plans, restructures, and write-off
recommendations.
- ✓ Ensure compliance with credit policies, internal controls, and
regulatory requirements.
- ✓ Manage repossession and asset recovery processes where
applicable.
- ✓ Handle escalated customer cases, disputes, and sensitive
recovery matters.
- ✓ Analyze collection trends and data to improve recovery
strategies.
- ✓ Prepare and present regular collections performance reports to
senior management.
- ✓ Collaborate with credit, sales, and operations teams to improve
loan quality.
Requirements:
- ✓ Bachelor’s degree in Finance, Business Administration,
Economics, or a related field.
- ✓ Minimum of 5–7 years’ experience in credit management or debt
collections within microfinance.
- ✓ Strong understanding of revolving credit and weekly repayment
models.
- ✓ Proven track record in reducing PAR and improving recovery
rates.
- ✓ Strong leadership, negotiation, and people management skills.
- ✓ Knowledge of debt recovery processes, credit policy enforcement,
and regulatory compliance.
- ✓ Excellent analytical, reporting, and decision-making abilities.
- ✓ High integrity, resilience, and customer-focused approach.
Job Location
+2547 98 431 116