About the Role

Working closely with the Head of Credit, the job holder will ensure that ALL approved and disbursed Credit PayG loans are fully repaid as stipulated in the terms and conditions to prevent loss to the institution due to non-repayment.

Key Responsibilities

• Project relevant trends that affect the collectables of the non-performing Credit PayG portfolio and isolate potential problem areas.
• Monitor Credit PayG loan repayments and initiate/recommend a course of action.
• Extract, confirm and transmit CRB information to the licensed Credit Reference Bureau.
• Conduct field customer visits (on a need basis) and telephone calls to follow up on payments and collect from Credit PayG debtors.
• Execute the institution strategy in reducing the Non-performing Credit PayG portfolio at the same time report Write-offs, Collections, Repossessions etc.) on a regular pre-determined basis and provide information for business reporting.
• Ensure PAR 30 management for all disbursed Credit PayG loans is fully executed.
• Ensure a record is maintained with the track of all the recovery progress for all Credit PayG loans in arrears.
• Ensure weekly arrears reports are prepared by the Debt Recovery officers for all the regions and follow up with them to ensure full repayment.
• Ensure reports are prepared and recommendations are made on bad debts to be written off to the management for approval.
• Ensure an up-to-date register on loan-related insurance claims is maintained and ensure prompt reimbursement from underwriters.
• Monitor debt collection response cycles and contacts as well as credit control performance for non-performing Credit PayG loans.
• Manage resource scheduling and the determination of priority of work and procedures to maximize production output and success levels for the field debt recovery officers.
• Report and monitor all risks associated with field debt recovery operations.
• Generate compliance reports for use in decision-making and performance appraisals.
• Perform any other duties within the scope of this position.

Does this sound like you?

• A business-related degree, or equivalent, and CPA qualification are added advantages.
• Preferably over 5 years of experience in a debt collection and recovery environment (practical experience in lending and recovery).
• Knowledge in credit management, commercial banking, microfinance banking, and credit PayGo is an added advantage.
• Capacity, flexibility, and willingness to work for long hours and within strict deadlines.
• Excellent interpersonal skills with good leadership skills.
• Knowledgeable in the financial services, microfinance, and consumer lending sectors is a must.
• Proficient in MS Suite, Power BI, and CRMs with excellent reporting skills.

• Project relevant trends that affect the collectables of the non-performing Credit PayG portfolio and isolate potential problem areas.
• Monitor Credit PayG loan repayments and initiate/recommend a course of action.
• Extract, confirm and transmit CRB information to the licensed Credit Reference Bureau.
• Conduct field customer visits (on a need basis) and telephone calls to follow up on payments and collect from Credit PayG debtors.
• Execute the institution strategy in reducing the Non-performing Credit PayG portfolio at the same time report Write-offs, Collections, Repossessions etc.) on a regular pre-determined basis and provide information for business reporting.
• Ensure PAR 30 management for all disbursed Credit PayG loans is fully executed.
• Ensure a record is maintained with the track of all the recovery progress for all Credit PayG loans in arrears.
• Ensure weekly arrears reports are prepared by the Debt Recovery officers for all the regions and follow up with them to ensure full repayment.
• Ensure reports are prepared and recommendations are made on bad debts to be written off to the management for approval.
• Ensure an up-to-date register on loan-related insurance claims is maintained and ensure prompt reimbursement from underwriters.
• Monitor debt collection response cycles and contacts as well as credit control performance for non-performing Credit PayG loans.
• Manage resource scheduling and the determination of priority of work and procedures to maximize production output and success levels for the field debt recovery officers.
• Report and monitor all risks associated with field debt recovery operations.
• Generate compliance reports for use in decision-making and performance appraisals.
• Perform any other duties within the scope of this position.

• Proficient in MS Suite, Power BI, and CRMs with excellent reporting skills.
• Excellent interpersonal skills with good leadership skills.

• A business-related degree, or equivalent, and CPA qualification are added advantages.
• Knowledge in credit management, commercial banking, microfinance banking, and credit PayGo is an added advantage.
• Capacity, flexibility, and willingness to work for long hours and within strict deadlines.
• Knowledgeable in the financial services, microfinance, and consumer lending sectors is a must.