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Assistant Manager Digital Loans Collections

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Sidian Bank

Website : https://sidianbank.co.ke/

29 Days Ago

<div itemscope itemtype='http://schema.org/JobPosting'>
<div itemprop='title' style='display:none'>Assistant Manager Digital Loans Collections</div>
<div itemprop='datePosted' style='display:none'>2025-09-29T14:09:42+00:00</div>
<div itemprop='hiringOrganization' itemscope itemtype='http://schema.org/Organization'>
<div itemprop='name' style='display:none'>Sidian Bank</div>
<div itemprop='logo' style='display:none'>https://cdn.greatkenyanjobs.com/jsjobsdata/data/employer/comp_8925/logo/sidian%20bank.png</div>
<div itemprop='url' style='display:none'>https://sidianbank.co.ke/</div>
</div>
<div itemprop='employmentType' style='display:none'>FULL_TIME</div>
<div itemprop='jobLocation' itemscope itemtype='http://schema.org/Place'>
<div itemprop='address' itemscope itemtype='http://schema.org/PostalAddress'>
<div itemprop='streetAddress' style='display:none'></div>
<div itemprop='addressLocality' style='display:none'>Kenya</div>
<div itemprop='addressRegion' style='display:none'>kenya</div>
<div itemprop='postalCode' style='display:none'>00100</div>
<div itemprop='addressCountry' style='display:none'>Kenya</div>
</div>
</div>
<div itemprop='industry' style='display:none'>Finance</div>
<div itemprop='occupationalCategory' style='display:none'>Management</div>
<div itemprop='baseSalary' itemscope itemtype='http://schema.org/MonetaryAmount'>
<div itemprop='currency' style='display:none'>KES</div>
<div itemprop='value' itemscope itemtype='http://schema.org/QuantitativeValue' style='display:none'>
<div itemprop='value' style='display:none'></div>
<div itemprop='unitText' style='display:none'>MONTH</div>
</div>
</div>
<div itemprop='validThrough' style='display:none'>2025-10-07T17:00:00+00:00</div>
<div itemprop='jobLocationType' style='display:none'></div>
<div itemprop='applicantLocationRequirements' style='display:none'>Kenya</div>
<div itemprop='workHours' style='display:none'>8</div>
<div itemprop='description' style='display:none'>JOB PURPOSE
The job holder will be responsible for overseeing and managing digital loans (Mobile loans, Taasi – Pochi and Fuliza Products) Portfolio at Risk & NPL accounts (Normal to Loss) to ensure sustenance of a high-quality portfolio across all sectors of the Bank and strategizing for returning the accounts to performing status or and reducing slippages/attrition between buckets and into NPL. In addition to this, the role-holder will undertake any other duty as assigned by the Senior Manager – Remedial Unit.
KEY RESPONSIBILTIES 
<ul>
<li aria-level="1">Monitor assigned portfolio to deter further roll over to next buckets ensuring reduction in numbers and in figures.</li>
<li aria-level="1">To ensure effective and efficient rehabilitation, collections, and recovery of outstanding amounts in the Pre-NPL & NPL. </li>
<li aria-level="1">To implement and manage Pre-delinquency, PAR and NPL Strategies.</li>
<li aria-level="1">Collaborate with business units and product owners in enhancing and giving feedback on the digital loan products.</li>
<li aria-level="1">Assign accounts to external debt collectors, review daily promises to pay, ensure confirmation of payments are promptly done.</li>
<li aria-level="1">Ensure invoices from external debt collectors are received, confirmed and processed on time.</li>
<li aria-level="1">Assessing performance of external service providers to ensure adherence to the bank’s standard agreements such as ensuring professional indemnities for service providers.</li>
<li aria-level="1">Adherence and adoption of the Pre-NPL watch list and monitoring policies and processes</li>
</ul>
MAIN ACTIVITIES
Collections & Debt Recoveries Strategies
<ul>
<li aria-level="1">Ensure accounts in arrears are contacted, and all discussions and agreement are well documented in E-collect and tracked.</li>
<li aria-level="1">Guides and mentors’ staff to identify opportunities where distressed debt solutions can be provided to customers and staff alike in order that they can be rehabilitated back to the performing loans portfolio</li>
<li aria-level="1">Designs the required strategies and formulates effective tactical plans to maximize collections on unwilling customers through instituting legal and collections actions in the most efficient manner to reduce the monthly impairment charges</li>
<li aria-level="1">Ensures that in-house and outsourced collections strategies are effectively executed in order to achieve agreed collections rates. The outsource strategies must be driven in collaboration with the Vendor manager</li>
<li aria-level="1">Operates within delegated authority levels and ensures that subordinates have the requisite mandates to perform their daily tasks</li>
<li aria-level="1">Actions delegated tasks from the Senior Manager Remedial within specified deadlines and reporting requirements</li>
<li aria-level="1">Ensures consistency in the execution of Bank policy and procedures in order to adhere to all laid down governance requirements regarding actions instituted in the Digital loans portfolio.</li>
<li aria-level="1">Ensures continuous improvement on set performance benchmarks in order to yield optimal performance levels</li>
<li aria-level="1">Evaluates and improves on existing practices within collection in order to ensure continued effectiveness and processing efficiencies</li>
<li aria-level="1">Represents the Bank during Court Cases as the primary witness and liaises directly with Bank’s Legal department</li>
<li aria-level="1">Signs Legal documentation where required within mandate on all matters handed to legal</li>
<li aria-level="1">Supports the appointment of vendors within mandate</li>
</ul>
Customer Service
<ul>
<li aria-level="1">Minimizing customer complaints and ensure all customer complaints are closed as per the SLA.</li>
<li aria-level="1">Giving customers information relating to the balances and general account status information to facilitate payments and provide feedback concerning customer payment behavior to management.</li>
<li aria-level="1">Prompt calling of customers using the payment diaries produced on a daily basis. Generally, manage and control all matters relating to delinquency.</li>
<li aria-level="1">Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.</li>
</ul>
Risk & Compliance
<ul>
<li aria-level="1">Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act.</li>
<li aria-level="1">Comply with the banks Anti Money Laundering (AML) & Combating the Financing of Terrorism (CFT) policy as defined by CBK prudential guideline</li>
<li aria-level="1">Ensure that confidentiality and integrity of the Bank’s information is maintained at all times in line with cyber security and information security guidelines</li>
<li aria-level="1">Ensure responsibility for using personal data by following the data protection principles under the data protection act and make sure the information is used fairly, lawfully and transparently and used for specified, explicit purposes.</li>
<li aria-level="1">Ensure compliance with all banks policies, procedures and all statutory requirements.</li>
<li aria-level="1">Ensure proper systems/documentations are in place to effectively manage AML/CFT risks and strict compliance with the Banking laws, the prudential guidelines and regulations issued by CBK, and other legal guidelines that may be issued by the government or other industry stakeholders, from time to time.</li>
</ul>
DECISION MAKING AUTHORITY
<ul>
<li aria-level="1">Recommend to management problematic accounts </li>
<li aria-level="1">Identify and recommend key learning lessons on lending decisions from accounts in NPL</li>
<li aria-level="1">Identify and earmark accounts for write-off</li>
</ul>
ACADEMIC BACKGROUND
<ul>
<li>Bachelor’s degree in a Business-related field;</li>
<li>Master’s degree is an added advantage.</li>
</ul>
WORK EXPERIENCE
<ul>
<li aria-level="1">Minimum of Three (3) years’ experience debt collection with bias in digital loans collections</li>
<li aria-level="1">Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage</li>
<li aria-level="1">Proven track record of consistently exceeding set targets</li>
<li aria-level="1">Versatility, flexibility, passion and commitment to quality service delivery</li>
<li aria-level="1">Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.</li>
<li aria-level="1">Good understanding of Credit risk policies and procedures</li>
</ul>
SKILLS & COMPETENCIES
<ul>
<li>Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.</li>
<li>Highly effective communicator with excellent interpersonal and motivational skills.</li>
<li>Solid performance management and motivational skills.</li>
<li>Excellent relationship building and stakeholder management skills.</li>
<li>Strong planning, analytical, decision-making, lateral thinking and project management skills.</li>
<li>Good understanding of Credit risk policies and procedures</li>
</ul></div>
<div itemprop='responsibilities' style='display:none'>Monitor assigned portfolio to deter further roll over to next buckets ensuring reduction in numbers and in figures.
To ensure effective and efficient rehabilitation, collections, and recovery of outstanding amounts in the Pre-NPL & NPL.
To implement and manage Pre-delinquency, PAR and NPL Strategies.
Collaborate with business units and product owners in enhancing and giving feedback on the digital loan products.
Assign accounts to external debt collectors, review daily promises to pay, ensure confirmation of payments are promptly done.
Ensure invoices from external debt collectors are received, confirmed and processed on time.
Assessing performance of external service providers to ensure adherence to the bank’s standard agreements such as ensuring professional indemnities for service providers.
Adherence and adoption of the Pre-NPL watch list and monitoring policies and processes
MAIN ACTIVITIES

Collections & Debt Recoveries Strategies

Ensure accounts in arrears are contacted, and all discussions and agreement are well documented in E-collect and tracked.
Guides and mentors’ staff to identify opportunities where distressed debt solutions can be provided to customers and staff alike in order that they can be rehabilitated back to the performing loans portfolio
Designs the required strategies and formulates effective tactical plans to maximize collections on unwilling customers through instituting legal and collections actions in the most efficient manner to reduce the monthly impairment charges
Ensures that in-house and outsourced collections strategies are effectively executed in order to achieve agreed collections rates. The outsource strategies must be driven in collaboration with the Vendor manager
Operates within delegated authority levels and ensures that subordinates have the requisite mandates to perform their daily tasks
Actions delegated tasks from the Senior Manager Remedial within specified deadlines and reporting requirements
Ensures consistency in the execution of Bank policy and procedures in order to adhere to all laid down governance requirements regarding actions instituted in the Digital loans portfolio.
Ensures continuous improvement on set performance benchmarks in order to yield optimal performance levels
Evaluates and improves on existing practices within collection in order to ensure continued effectiveness and processing efficiencies
Represents the Bank during Court Cases as the primary witness and liaises directly with Bank’s Legal department
Signs Legal documentation where required within mandate on all matters handed to legal
Supports the appointment of vendors within mandate
Customer Service

Minimizing customer complaints and ensure all customer complaints are closed as per the SLA.
Giving customers information relating to the balances and general account status information to facilitate payments and provide feedback concerning customer payment behavior to management.
Prompt calling of customers using the payment diaries produced on a daily basis. Generally, manage and control all matters relating to delinquency.
Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
Risk & Compliance

Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act.
Comply with the banks Anti Money Laundering (AML) & Combating the Financing of Terrorism (CFT) policy as defined by CBK prudential guideline
Ensure that confidentiality and integrity of the Bank’s information is maintained at all times in line with cyber security and information security guidelines
Ensure responsibility for using personal data by following the data protection principles under the data protection act and make sure the information is used fairly, lawfully and transparently and used for specified, explicit purposes.
Ensure compliance with all banks policies, procedures and all statutory requirements.
Ensure proper systems/documentations are in place to effectively manage AML/CFT risks and strict compliance with the Banking laws, the prudential guidelines and regulations issued by CBK, and other legal guidelines that may be issued by the government or other industry stakeholders, from time to time.
DECISION MAKING AUTHORITY

Recommend to management problematic accounts
Identify and recommend key learning lessons on lending decisions from accounts in NPL
Identify and earmark accounts for write-off</div>
<div itemprop='skills' style='display:none'>Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.
Highly effective communicator with excellent interpersonal and motivational skills.
Solid performance management and motivational skills.
Excellent relationship building and stakeholder management skills.
Strong planning, analytical, decision-making, lateral thinking and project management skills.
Good understanding of Credit risk policies and procedures</div>
<div itemprop='qualifications' style='display:none'>Bachelor’s degree in a Business-related field;
Master’s degree is an added advantage.
WORK EXPERIENCE

Minimum of Three (3) years’ experience debt collection with bias in digital loans collections
Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage
Proven track record of consistently exceeding set targets
Versatility, flexibility, passion and commitment to quality service delivery
Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
Good understanding of Credit risk policies and procedures</div>
<div itemprop='educationRequirements' itemscope itemtype='http://schema.org/EducationalOccupationalCredential' style='display:none'>
<div itemprop='credentialCategory' style='display:none'>bachelor degree</div>
</div>
<div itemprop='experienceRequirements' itemscope itemtype='http://schema.org/OccupationalExperienceRequirements' style='display:none'>
<div itemprop='monthsOfExperience' style='display:none'>36</div>
</div>
<div itemprop='identifier' style='display:none'>JOB-68da932607da9</div>
</div>

Vacancy title: Assistant Manager Digital Loans Collections
[Type: FULL_TIME, Industry: Finance, Category: Management]
Jobs at: Sidian Bank
Deadline of this Job: Tuesday, October 7 2025
Duty Station: Kenya | kenya | Kenya
Summary Date Posted: Monday, September 29 2025, Base Salary: Not Disclosed

<a href='https://www.greatkenyanjobs.com/job-categories/newest-jobs/category-management-jobs-in-kenya-35'>Similar Jobs in Kenya</a> 
<a href='https://www.greatkenyanjobs.com/employers/company-detail/company-Sidian-Bank-8925/nav-42'>Learn more about Sidian Bank</a> 
<a href='https://www.greatkenyanjobs.com/employers/newest-jobs/company-Sidian-Bank-8925'>Sidian Bank jobs in Kenya</a>

JOB DETAILS: JOB PURPOSE
The job holder will be responsible for overseeing and managing digital loans (Mobile loans, Taasi – Pochi and Fuliza Products) Portfolio at Risk & NPL accounts (Normal to Loss) to ensure sustenance of a high-quality portfolio across all sectors of the Bank and strategizing for returning the accounts to performing status or and reducing slippages/attrition between buckets and into NPL. In addition to this, the role-holder will undertake any other duty as assigned by the Senior Manager – Remedial Unit.
KEY RESPONSIBILTIES 
<ul>
<li aria-level="1">Monitor assigned portfolio to deter further roll over to next buckets ensuring reduction in numbers and in figures.</li>
<li aria-level="1">To ensure effective and efficient rehabilitation, collections, and recovery of outstanding amounts in the Pre-NPL & NPL. </li>
<li aria-level="1">To implement and manage Pre-delinquency, PAR and NPL Strategies.</li>
<li aria-level="1">Collaborate with business units and product owners in enhancing and giving feedback on the digital loan products.</li>
<li aria-level="1">Assign accounts to external debt collectors, review daily promises to pay, ensure confirmation of payments are promptly done.</li>
<li aria-level="1">Ensure invoices from external debt collectors are received, confirmed and processed on time.</li>
<li aria-level="1">Assessing performance of external service providers to ensure adherence to the bank’s standard agreements such as ensuring professional indemnities for service providers.</li>
<li aria-level="1">Adherence and adoption of the Pre-NPL watch list and monitoring policies and processes</li>
</ul>
MAIN ACTIVITIES
Collections & Debt Recoveries Strategies
<ul>
<li aria-level="1">Ensure accounts in arrears are contacted, and all discussions and agreement are well documented in E-collect and tracked.</li>
<li aria-level="1">Guides and mentors’ staff to identify opportunities where distressed debt solutions can be provided to customers and staff alike in order that they can be rehabilitated back to the performing loans portfolio</li>
<li aria-level="1">Designs the required strategies and formulates effective tactical plans to maximize collections on unwilling customers through instituting legal and collections actions in the most efficient manner to reduce the monthly impairment charges</li>
<li aria-level="1">Ensures that in-house and outsourced collections strategies are effectively executed in order to achieve agreed collections rates. The outsource strategies must be driven in collaboration with the Vendor manager</li>
<li aria-level="1">Operates within delegated authority levels and ensures that subordinates have the requisite mandates to perform their daily tasks</li>
<li aria-level="1">Actions delegated tasks from the Senior Manager Remedial within specified deadlines and reporting requirements</li>
<li aria-level="1">Ensures consistency in the execution of Bank policy and procedures in order to adhere to all laid down governance requirements regarding actions instituted in the Digital loans portfolio.</li>
<li aria-level="1">Ensures continuous improvement on set performance benchmarks in order to yield optimal performance levels</li>
<li aria-level="1">Evaluates and improves on existing practices within collection in order to ensure continued effectiveness and processing efficiencies</li>
<li aria-level="1">Represents the Bank during Court Cases as the primary witness and liaises directly with Bank’s Legal department</li>
<li aria-level="1">Signs Legal documentation where required within mandate on all matters handed to legal</li>
<li aria-level="1">Supports the appointment of vendors within mandate</li>
</ul>
Customer Service
<ul>
<li aria-level="1">Minimizing customer complaints and ensure all customer complaints are closed as per the SLA.</li>
<li aria-level="1">Giving customers information relating to the balances and general account status information to facilitate payments and provide feedback concerning customer payment behavior to management.</li>
<li aria-level="1">Prompt calling of customers using the payment diaries produced on a daily basis. Generally, manage and control all matters relating to delinquency.</li>
<li aria-level="1">Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.</li>
</ul>
Risk & Compliance
<ul>
<li aria-level="1">Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act.</li>
<li aria-level="1">Comply with the banks Anti Money Laundering (AML) & Combating the Financing of Terrorism (CFT) policy as defined by CBK prudential guideline</li>
<li aria-level="1">Ensure that confidentiality and integrity of the Bank’s information is maintained at all times in line with cyber security and information security guidelines</li>
<li aria-level="1">Ensure responsibility for using personal data by following the data protection principles under the data protection act and make sure the information is used fairly, lawfully and transparently and used for specified, explicit purposes.</li>
<li aria-level="1">Ensure compliance with all banks policies, procedures and all statutory requirements.</li>
<li aria-level="1">Ensure proper systems/documentations are in place to effectively manage AML/CFT risks and strict compliance with the Banking laws, the prudential guidelines and regulations issued by CBK, and other legal guidelines that may be issued by the government or other industry stakeholders, from time to time.</li>
</ul>
DECISION MAKING AUTHORITY
<ul>
<li aria-level="1">Recommend to management problematic accounts </li>
<li aria-level="1">Identify and recommend key learning lessons on lending decisions from accounts in NPL</li>
<li aria-level="1">Identify and earmark accounts for write-off</li>
</ul>
ACADEMIC BACKGROUND
<ul>
<li>Bachelor’s degree in a Business-related field;</li>
<li>Master’s degree is an added advantage.</li>
</ul>
WORK EXPERIENCE
<ul>
<li aria-level="1">Minimum of Three (3) years’ experience debt collection with bias in digital loans collections</li>
<li aria-level="1">Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage</li>
<li aria-level="1">Proven track record of consistently exceeding set targets</li>
<li aria-level="1">Versatility, flexibility, passion and commitment to quality service delivery</li>
<li aria-level="1">Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.</li>
<li aria-level="1">Good understanding of Credit risk policies and procedures</li>
</ul>
SKILLS & COMPETENCIES
<ul>
<li>Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.</li>
<li>Highly effective communicator with excellent interpersonal and motivational skills.</li>
<li>Solid performance management and motivational skills.</li>
<li>Excellent relationship building and stakeholder management skills.</li>
<li>Strong planning, analytical, decision-making, lateral thinking and project management skills.</li>
<li>Good understanding of Credit risk policies and procedures</li>
</ul>
Work Hours: 8
Experience in Months: 36
Level of Education: bachelor degree
Job application procedure interested applicant please, Click here to apply

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Job Info

Job Category: Management jobs in Kenya

Job Type: Full-time

Deadline of this Job: Tuesday, October 7 2025

Duty Station: Kenya | Kenya | Kenya

Posted: 29-09-2025

No of Jobs: 1

Start Publishing: 29-09-2025

Stop Publishing (Put date of 2030): 29-09-2099

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