Key Responsibilities 

Collections Strategy & Execution 


Develop and implement effective collection strategies tailored to microfinance credit products 
Monitor daily, weekly, and monthly collection performance across branches or regions 
Supervise field collection officers and ensure adherence to collection protocols 
Analyze repayment trends and recommend proactive measures to reduce delinquency 


Recovery Operations 


Lead recovery efforts for non-performing loans (NPLs) and write-offs 
Coordinate with legal teams and external recovery agents where necessary 
Negotiate repayment plans with clients and ensure compliance 
Maintain accurate records of recovery actions and outcomes 


Portfolio Risk Management 


Track portfolio at risk (PAR) and provide regular reports to senior management 
Identify high-risk segments and recommend targeted interventions 
Collaborate with credit and underwriting teams to improve loan quality 


​​​​​​​Team Leadership & Capacity Building 


Train and mentor collection officers on best practices and ethical recovery methods 
Conduct regular performance reviews and field audits 
Foster a culture of accountability, integrity, and customer respect 


​​​​​​​Key Performance Indicators (KPIs) 


Portfolio at Risk (PAR) reduction 
Recovery rate on delinquent and written-off loans 
Collection efficiency ratio 
Compliance with internal and regulatory standards 


​​​​​​​Ideal Candidate Profile

Qualifications & Experience 


Bachelor’s degree in Finance, Business Administration, or related field 
Minimum 5 years’ experience in credit collections and recovery, preferably in microfinance or retail lending 
Strong understanding of credit risk, loan lifecycle, and customer behavior 
Proven leadership and team management skills 
Excellent negotiation, communication, and analytical abilities 
Familiarity with digital collection tools and MIS systems is a plus 
staff retention, and a culture of continuous growth.


Key Competencies


Strategic Thinking: Ability to design and execute effective collection and recovery strategies aligned with organizational goals.
Analytical Skills: Strong capability to analyse portfolio performance, repayment behaviour, and risk trends to inform decision-making.
Leadership & People Management: Proven ability to inspire, mentor, and manage diverse teams to achieve results.
Negotiation & Conflict Resolution: Skilled in handling sensitive client discussions, negotiating repayment plans, and maintaining professionalism.
Regulatory & Compliance Knowledge: Sound understanding of microfinance regulations, ethical collection practices, and risk management principles.
Results Orientation: Focused on achieving KPIs including PAR reduction, recovery targets, and efficiency improvements.
Communication & Interpersonal Skills: Excellent verbal and written communication with the ability to engage clients, staff, and senior management effectively.
Adaptability & Innovation: Ability to embrace digital tools, innovate recovery processes, and respond proactively to market and client dynamics.
Integrity & Customer-Centric Approach: Demonstrates ethical standards, respect for clients, and commitment to protecting the organization’s reputation.