Company: Oya Microcredit LtdLocation: NairobiEmployment Type: Full-TimeReports To: CEO

Key Responsibilities****

· Oversee and manage the Portfolio Recovery team to ensure efficient and effective debt collection processes

· Monitor loan portfolios and identify delinquent accounts for immediate action

· Develop and implement recovery strategies to reduce non-performing loans (NPLs)

· Guide the team in following up with clients through calls, messages, and field visits to ensure timely repayments

· Oversee the recovery of outstanding debts while maintaining positive client relationships

· Assess portfolio risk levels and recommend appropriate recovery actions

· Review and approve repayment plans negotiated with clients

· Ensure accurate and up-to-date records of all recovery activities

· Prepare and review daily, weekly, and monthly portfolio performance reports

· Track loan performance and provide insights to support strategic decision-making

· Collaborate closely with Credit and Operations teams to reconcile payments and improve portfolio quality

· Ensure compliance with internal policies and regulatory requirements, including credit reporting standards****

Qualifications and Requirements****

· Bachelor’s degree in Finance, Accounting, Economics, Statistics, Business Administration, Banking & Finance, Actuarial Science, or a related field (mandatory)

· Professional certification in Credit Risk Management or Debt Collection/Recovery will be an added advantage

· CPA (K) or ACCA qualification will be an added advantage

· Minimum of 2 years’ experience in a supervisory or team leadership role within collections, portfolio management, or credit

· Proven experience in loan portfolio monitoring, debt recovery, and delinquency management

· Prior experience in a microcredit or financial institution is highly desirable

· Experience in loan performance analysis, portfolio reporting, and risk assessment

· Proficiency in MS Excel and reporting tools; experience with loan management systems is an added advantage****

Key competencies****

· Leadership & Team Management: Ability to lead, mentor, and drive performance of recovery teams, including field staff

· Debt Recovery & Negotiation Skills: Strong ability to negotiate repayment plans and recover delinquent accounts while maintaining professionalism

· Analytical & Risk Assessment Skills: Strong capability to interpret portfolio data, identify trends, and make informed decisions

· Results Orientation: Proven ability to meet and exceed recovery targets and improve portfolio quality

· Problem Solving & Decision Making: Ability to act swiftly on delinquent accounts and implement effective recovery strategies

· Communication & Interpersonal Skills: Clear and professional communication with clients, internal teams, and stakeholders

· Attention to Detail & Accuracy: High level of accuracy in reporting, reconciliation, and record-keeping

· Integrity & Professionalism: Handles sensitive financial information with discretion and adheres to ethical standards

· Adaptability & Resilience: Ability to work under pressure in a fast-paced, target-driven environment

· Collaboration: Works effectively with Credit, Operations, and Finance teams to enhance overall portfolio performance