Job Description
Company:
Oya Microcredit Ltd
Location:
Nairobi
Employment Type:
Full-Time
Reports To:
CEO
Key Responsibilities
- Oversee and manage the Portfolio Recovery team to ensure efficient and effective debt collection processes
- Monitor loan portfolios and identify delinquent accounts for immediate action
- Develop and implement recovery strategies to reduce non-performing loans (NPLs)
- Guide the team in following up with clients through calls, messages, and field visits to ensure timely repayments
- Oversee the recovery of outstanding debts while maintaining positive client relationships
- Assess portfolio risk levels and recommend appropriate recovery actions
- Review and approve repayment plans negotiated with clients
- Ensure accurate and up-to-date records of all recovery activities
- Prepare and review daily, weekly, and monthly portfolio performance reports
- Track loan performance and provide insights to support strategic decision-making
- Collaborate closely with Credit and Operations teams to reconcile payments and improve portfolio quality
- Ensure compliance with internal policies and regulatory requirements, including credit reporting standards
Qualifications and Requirements
- Bachelor’s degree in Finance, Accounting, Economics, Statistics, Business Administration, Banking & Finance, Actuarial Science, or a related field (mandatory)
- Professional certification in Credit Risk Management or Debt Collection/Recovery will be an added advantage
- CPA (K) or ACCA qualification will be an added advantage
- Minimum of 2 years’ experience in a supervisory or team leadership role within collections, portfolio management, or credit
- Proven experience in loan portfolio monitoring, debt recovery, and delinquency management
- Prior experience in a microcredit or financial institution is highly desirable
- Experience in loan performance analysis, portfolio reporting, and risk assessment
- Proficiency in MS Excel and reporting tools; experience with loan management systems is an added advantage
Key competencies
- Leadership & Team Management: Ability to lead, mentor, and drive performance of recovery teams, including field staff
- Debt Recovery & Negotiation Skills: Strong ability to negotiate repayment plans and recover delinquent accounts while maintaining professionalism
- Analytical & Risk Assessment Skills: Strong capability to interpret portfolio data, identify trends, and make informed decisions
- Results Orientation: Proven ability to meet and exceed recovery targets and improve portfolio quality
- Problem Solving & Decision Making: Ability to act swiftly on delinquent accounts and implement effective recovery strategies
- Communication & Interpersonal Skills: Clear and professional communication with clients, internal teams, and stakeholders
- Attention to Detail & Accuracy: High level of accuracy in reporting, reconciliation, and record-keeping
- Integrity & Professionalism: Handles sensitive financial information with discretion and adheres to ethical standards
- Adaptability & Resilience: Ability to work under pressure in a fast-paced, target-driven environment
- Collaboration: Works effectively with Credit, Operations, and Finance teams to enhance overall portfolio performance
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