Knowledge; Skills and Experience required for this Role**

• 3 years’ experience in a Debt Recovery function with at least 1 year in managing Retail accounts.

• University degree in a Business-related field from a recognized institution.

• CPA/ACCA or relevant professional qualification.

• Excellent Communication and Negotiation skills.

Competencies Required for this Role ****

• Experience or sound understanding of credit life cycle and debt recovery process/techniques.

• Strong credit analytical, communication and negotiation skills and assertive.

• A passion for performance and ability to work under pressure.

• Key understanding of regulatory and legal environment.

Problem Solving**

• Analytical

• Assertive

• Decision making

• Communication

Strategy - 25%**

• Ensure continuous new learning debt recovery techniques through trainings.

• Ensure implementation of debt recovery strategies within the unit.

• Ensure constant follow-up and monitoring of all accounts classified as Non-Performing Loans/Accounts.

• Ensure compliance with all controls, rules, policies, procedures, and regulations.

Operations - 20%****

• Manage Retail debt collection including the initiation of recovery processes in line with commercial practices and Bank policy.

• Manage the assigned Retail debt portfolio with a view of maximizing profitability for the Bank.

• Review retail files assigned to identify and select delinquent accounts for collection in order to maintain a low percentage of Portfolio at Risk.

• Maintain and prepare bad debt recovery records and/or reports as and when required and submit them to the Supervisor.

• Recommend restructures, settlements and write-offs on Non-Performing Retail Accounts to the Manager Retail Recoveries for review and approval by the Management Credit Committee as per Central Bank of Kenya Regulations.

• Ensure compliance to the Bank’s Credit Policy and Procedures with regard to management of debt recovery process.

People Management - 20%****

•  Maintain good coordination between the Collections and Recoveries Team, Credit Team and the Business Development Teams.

• Undertake any delegated activities as assigned by the Manager Retail Recoveries or by the Head, Collections and Recoveries.

• Ensure to undertake Best Practice, Skills and Knowledge and shared across the team and wider Credit Department, where appropriate working with other areas of the Bank.

Compliance - 25%****

• Ensure compliance with both internal and external regulatory requirements.

• Working closely with risk and compliance units to ensure effective compliance standards are consistently met within the unit.

• Developing and continuously reviewing Credit policies and procedures ensuring their compliance.

Other - 5%**

• Safeguard and promote the bank’s image with the general public.