HC
Human Capital Outsourcing Limited
Operations & Management
Operations & Management
Regional Managers
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Responsibilities
Regional Business Growth: Develop and execute regional business strategies to achieve lending, disbursement, revenue and portfolio growth targets.
Portfolio Management: Oversee the quality and performance of the regional loan portfolio, ensuring sustainable portfolio growth and effective management of portfolio-at-risk (PAR).
Collections Performance: Drive collections strategies to improve repayment rates, reduce arrears, minimise defaults and strengthen overall money recovery.
Multi-Branch Leadership: Provide leadership and performance oversight to Area Managers, Branch Managers and other regional teams, ensuring alignment with corporate objectives.
Target Achievement: Translate corporate business objectives into measurable regional and branch targets, continuously monitoring performance against set KPIs.
Market Expansion: Identify new business opportunities, assess market potential and drive customer acquisition, retention and geographical expansion.
Credit Risk Management: Ensure adherence to credit policies, lending procedures, customer assessment standards and responsible credit practices.
Operational Excellence: Monitor branch productivity, operational efficiency, cost management and utilisation of available business resources.
Performance Management: Conduct regular performance reviews, coach underperforming managers and implement structured performance improvement interventions.
Data Analysis and Reporting: Analyse regional performance reports, identify emerging trends and provide timely management reports with actionable recommendations.
Compliance and Internal Controls: Ensure branches comply with company policies, regulatory requirements, audit standards and established operational controls.
People Development: Build a high-performing regional team through talent development, succession planning, coaching and accountability management.
Skills & Requirements
Bachelor's degree in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.
A professional qualification in Credit Management, Banking, Finance or Business Management will be an added advantage.
At least 5–8 years of relevant experience in microfinance, microcredit, banking, lending or financial services.
At least 3 years in a senior leadership position managing multiple branches, territories or business units.
Demonstrated experience in managing sizeable loan portfolios and multi-location teams.
Strong understanding of credit risk, revolving credit products, collections and portfolio management.
Strategic and commercial leadership.
Multi-branch operations management.
Credit and portfolio risk management.
Advanced analytical and reporting skills.
Financial and business acumen.
Performance management and coaching.
Negotiation and stakeholder management.
Decision-making and problem-solving.
Strong communication and interpersonal skills.
High integrity and accountability.
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