Company: Oya Microcredit Ltd

Location: Various regions across the country (flexible placement)

Employment Type: Full-Time

Reports To: Operations Manager

Key Responsibilities

• Identify customers due for collection and ensure timely repayments 

• Monitor client accounts and follow up on overdue payments through calls and field visits 

• Evaluate the financial status of potential and existing clients 

• Conduct risk assessments and prepare detailed reports

  • Monitor the company loan portfolio and identify potential default risks 

• Recommend and implement effective debt recovery solutions

  • Negotiate repayment plans with clients in default 

• Provide daily and weekly collection/payment schedules to clients and field officers 

• Prepare weekly and monthly portfolio performance reports for management 

• Support credit review meetings with accurate data and insights

  • Track product performance through data analysis and reporting 

• Follow up with internal teams to reconcile payments and ensure accurate transaction posting 

• Send regular reminders to customers on repayment schedules 

• Monitor defaulters to prevent repeated non-compliance

  • Present repayment transaction records as required 

• Provide reports to management as needed

  • Perform any other duties assigned by supervisors

Qualifications and Requirements

• Bachelor’s degree in business administration, Finance, Economics, Accounting, or any related business field.

• 1–3 years’ experience in a similar role (e.g., portfolio or credit monitoring)

• Strong analytical and reporting skills

• Proficiency in statistical or data analysis tools

• Good communication and negotiation skills

• Willingness to conduct field visits for collections and client follow-ups