Vacancy title:
Team Leader Delinquency

[Type: FULL_TIME, Industry: Finance, Category: Management]

Jobs at:
Platinum Credit Limited

Deadline of this Job:
Friday, July 24 2026

Duty Station:
Kenya | kenya

Summary
Date Posted: Friday, July 17 2026, Base Salary: Not Disclosed

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JOB DETAILS:

Role Summary

The Team Leader – Delinquency will oversee the management and recovery of overdue loan accounts while leading a team responsible for collections and portfolio rehabilitation. The role focuses on reducing portfolio at risk (PAR), improving repayment performance, implementing effective recovery strategies, and ensuring compliance with the company’s credit and collections policies.

The successful candidate will provide leadership, coaching, and operational guidance to the collections team while maintaining positive customer relationships and protecting the company’s loan portfolio.

Key Responsibilities

Delinquency Management & Loan Recovery

• Lead the implementation of effective delinquency management and recovery strategies.
• Monitor overdue loan accounts and ensure timely follow-up on outstanding payments.
• Develop action plans to reduce delinquency levels and improve repayment performance.
• Manage collections activities through calls, field visits, negotiations, and repayment arrangements.
• Review delinquency reports and identify high-risk accounts requiring intervention.
• Support restructuring, recovery, and escalation processes for challenging accounts.
• Ensure achievement of collections and recovery targets.

Team Leadership & Performance Management

• Supervise, coach, and mentor the delinquency and collections team.
• Set performance targets and monitor team productivity.
• Conduct regular team meetings, reviews, and coaching sessions.
• Develop staff capacity in collections techniques, customer engagement, and negotiation.
• Promote accountability, teamwork, and a results-oriented culture.
• Evaluate team performance and recommend improvements.

Portfolio Monitoring & Risk Control

• Analyze portfolio performance trends and identify causes of delinquency.
• Monitor key indicators including:
  • Portfolio at Risk (PAR)
  • Collection efficiency
  • Recovery rates
  • Default trends
• Provide recommendations to improve credit quality and reduce loan losses.
• Collaborate with credit and sales teams to strengthen lending practices.
• Ensure proper documentation and tracking of recovery activities.

Customer Engagement & Negotiations

• Handle escalated customer repayment issues and complex recovery cases.
• Engage customers professionally to understand repayment challenges and negotiate suitable solutions.
• Maintain positive customer relationships while ensuring repayment obligations are met.
• Support customer retention through fair and responsible recovery practices.

Compliance & Policy Implementation

• Ensure all collection activities comply with company policies and regulatory requirements.
• Maintain ethical and professional collection standards.
• Ensure proper documentation of customer communication and recovery actions.
• Support legal recovery processes where necessary.
• Protect customer confidentiality and company information.

Reporting & Administration

• Prepare daily, weekly, and monthly delinquency performance reports.
• Track recovery targets and team achievements.
• Provide management with insights on portfolio performance and emerging risks.
• Maintain accurate records of recovery activities and customer accounts.
• Support development of collection strategies and operational improvements.

Stakeholder Collaboration

• Work closely with Credit, Risk, Operations, and Customer Service teams.
• Provide feedback on lending trends and customer repayment behavior.
• Participate in portfolio review meetings and strategic planning sessions.
• Support continuous improvement of credit and collections processes.

Qualifications

Minimum Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Banking, Economics, or a related field.
• Professional training in Credit Management, Collections, Risk Management, or related areas is an added advantage.

Key Competencies

• Strong leadership and people management skills.
• Excellent negotiation and communication abilities.
• Strong understanding of credit recovery processes.
• Ability to analyze financial data and identify portfolio risks.
• Strong problem-solving and decision-making skills.
• Customer-focused approach with professional communication skills.
• Ability to work under pressure and meet recovery targets.
• High integrity, discipline, and accountability.
• Proficiency in Microsoft Office and loan management systems.

Work Hours: 8

Experience in Months: 12

Level of Education: bachelor degree

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