Key Responsibilities

• Develop and implement effective debt recovery strategies to improve collection and recovery performance.
• Lead, supervise, and motivate the Debt Recovery Unit team to achieve set targets.
• Monitor the performance of delinquent and non-performing loan portfolios and ensure timely intervention.
• Develop and track recovery plans for overdue and non-performing accounts.
• Review recovery performance reports and provide regular updates to management.
• Identify trends and challenges affecting collections and recommend appropriate corrective actions.
• Ensure effective follow-up and management of outstanding customer accounts.
• Work closely with Credit, Risk, Legal, Branches, and other relevant teams to support recovery efforts.
• Ensure that all recovery activities comply with internal policies, procedures, and applicable regulatory requirements.
• Coach and develop team members to enhance productivity and recovery effectiveness.
• Escalate complex or high-value recovery cases appropriately and support resolution.
• Continuously review and improve recovery processes, systems, and approaches.

Qualifications & Experience

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Law, or a related field.
• Professional qualifications in Credit Management, Banking, Finance, or a related discipline will be an added advantage.
• Minimum 4 years’ relevant experience in credit management, debt collection, recoveries, or a related function, with demonstrated supervisory or managerial experience.
• Strong understanding of loan recovery processes, collections, and portfolio management.
• Experience in the banking, microfinance, SACCO, fintech, or financial services sector will be an advantage.
• Demonstrated ability to lead teams and deliver against recovery targets.
• Strong analytical, negotiation, communication, and problem-solving skills.
• Good knowledge of relevant credit and debt recovery practices and regulatory requirements.
• High level of integrity, professionalism, and accountability.