Responsibilities
Team Leadership & Performance Management

• Provide strong leadership, guidance, and mentorship to the credit and collections teams, including training and performance management.
• Set clear performance targets for both credit underwriting and collections, and ensure the team consistently meets or exceeds them.
• Foster a high-performance culture that promotes accountability, teamwork, and continuous improvement.

Credit & Collections Operations Management

• Oversee the end-to-end credit lifecycle, including loan application review, credit evaluation, approval, disbursement, and post-disbursement monitoring.
• Develop and implement efficient credit and collections policies, procedures, and workflows to enhance operational effectiveness.
• Strengthen collections strategies, ensuring timely follow-ups, debt recovery, and resolution of delinquent accounts.
• Collaborate closely with sales and other departments to ensure seamless operations and a positive customer experience.

Risk Assessment, Portfolio Monitoring & Mitigation

• Assess the creditworthiness of applicants through detailed analysis of financial information, credit reports, and supporting documentation.
• Make informed credit decisions while balancing Business growth and risk.
• Monitor portfolio performance, including arrears, delinquency trends, and recovery rates.
• Implement proactive risk mitigation and collections strategies to minimize defaults and optimize portfolio quality.

Compliance & Regulatory Adherence

• Ensure all credit and collections activities comply with applicable laws, regulations, and industry best practices.
• Maintain adherence to internal policies as well as AML and KYC requirements.
• Work closely with compliance teams to uphold data integrity and proper documentation standards.

Reporting, Insights & Continuous Improvement

• Prepare and present regular reports on credit and collections performance, including key metrics such as approval rates, portfolio quality, and recovery rates.
• Analyze data to identify trends, gaps, and opportunities for improvement.
• Provide actionable insights and recommendations to enhance credit processes, strengthen collections, and improve overall portfolio profitability.