Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...

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• Define and execute collections and debt management strategies across Retail, Business and Commercial Banking segments.
• Lead and develop multi-segment Collections Teams, including Early, Mid and Late-Stage recovery units.
• Establish segment-specific KPIs, recovery targets and governance frameworks aligned with the Bank’s risk appetite.
• Oversee delinquency management, recoveries, restructurings, settlements, and write-off recommendations across all segments.
• Manage high-value and complex commercial accounts, including restructuring and legal recovery actions.
• Oversee and govern outsourced collection agencies, law firms and recovery vendors.
• Ensure compliance with regulatory requirements, internal credit policies and fair customer treatment standards.
• Monitor and report portfolio performance, including NPLs, roll rates, cure rates and recovery trends by segment.
• Present portfolio insights, risk escalations, and recovery strategies to senior management and board committees.
• Drive improvements in collections processes, systems, and analytics, including segmentation and behavioral scoring.
• Partner with Credit, Legal, Finance, Operations, and Business teams to improve early warning mechanisms and reduce future delinquencies.
• Support portfolio reviews, stress testing, and provisioning inputs.
• Act as the escalation authority for sensitive, high-risk, or high-value delinquent accounts.
• Liaise with regulators, auditors, and internal governance forums as required.

• Strong leadership and people management skills.
• Sound credit judgment and negotiation skills.
• Excellent analytical and decision-making ability.
• Strong knowledge of legal recovery and asset realization.
• High ethical standards and customer-centric mindset.
• Excellent communication and stakeholder management skills.

• Bachelor's in finance, Accounting, Economics, or related field
• CPA, ACCA, CFA, or Credit Management certification preferred
• Minimum 8–10 years’ experience in banking, with at least 5 years in Collections, Recoveries or Credit Risk management.