Our history dates back to 1986 when we were incorporated under the brand name, Credit Kenya Limited and commenced operations the same year as a financial institution. Later in 1995, we upgraded to a fully-fledged commercial bank and changed our brand name to Credit Bank Limited (CBL). The Bank currently has sixteen branches dotted across the country. In Nairobi, we have five branches in City Centre – Koinange Street (opened in 1995), Westlands – Empress Office Suites (2010), Industrial Area branch – Butere Road (2010), Lavington – Lavington Mall (2014) and Ngong Road – Silkwood Office Suites (2016). Our upcountry branches are in Kisumu – Swan Centre (1998), Nakuru – Giddo Plaza (2001), Kisii – Hospital Road (2004), Nakuru – Kenyatta Avenue branch (2012), Eldoret – Zion Mall (2013), Ongata Rongai – Maasai Mall (2013), Mombasa – Nyali Center (2013), Machakos – MboluMalu Road (2014), Thika – Biashara Plaza (2014), Kitengela – Safari House (2014), and Meru Town – Stemuki Building (2016) The Bank is committed to deliver cost effective innovative financial service solutions. The Bank works in partnership with all customers to help them realize their personal and business dreams as well as creating tangible value giving them an unforgettable experience. Credit Bank has a long and deep heritage, giving it tremendous potential to exploit economic and financial opportunities while effectively managing any business threats with the aim of achieve its strategic goals. The Bank has a strategic focus to be an institution of choice offering financial solutions driven by efficiency, innovation and technology. The incumbent(s) will be responsible for routine calling and engaging of customers who fall into arrears, tracking of clients’ comments and commitments made to regularize their loan accounts and recover money through funds transfer to respective settlement accounts that have fallen due to achieve zero migration of their portfolio to NPL. Execute loan recovery activities within assigned business offices / portfolios and ensure that the advised recovery target is achieved Duties and Responsibilities Actively monitor the performance of loans and recommend proactive measures based on observations to reduce the likelihood of loans transitioning from performing to non-performing status. Management, collection, and recovery of outstanding amounts under assigned portfolio with a view of reducing the allocated written off book as per communicated targets. Ensure the written-off portfolio is tracked and recovered as per the bank’s objectives. Daily telephone calls and client visits (on a need basis) to follow up on payments. Demand and enforce repayment of the assigned portfolio and achieve set targets. Negotiating with clients and coming up with suitable exit strategies of the allocated book. Ensure a record is maintained with track of all the recovery progress for all loans in NPL and there is ease of access to recovery documentation. Prepare and present reports on recovery performance and strategies to senior management. Ensure 100% utilization of the collections system as well as other systems that may be implemented to aid recoveries in the bank Report and monitor all risks associated with debt recovery. Collaborate with legal and compliance teams to ensure adherence to relevant laws and regulations during the recovery process. Maintain strong relationships with external partners, including collection agencies and legal advisors. Monitor and enhance recovery processes, ensuring best practices and continuous improvement. Minimum qualification and experience required At least 5 years’ experience in Banking operations with exposure to credit functions University degree in a Business-related field from a recognized institution. Excellent communication and negotiation skills. Good understanding of credit risk assessment, collections and recovery practices. Good relationship management skills Strong analytical and numerical skills Good knowledge of Microsoft Excel and other spreadsheet/database applications