As the Credit Manager, you will be responsible for overseeing credit and collections operations. Your primary objective will be to manage the credit evaluation process, ensure efficient loan disbursements, strengthen collections strategies, and mitigate credit risks to drive the overall success of the loan portfolio.

You will also be tasked with developing and implementing effective debt recovery processes, monitoring portfolio performance, and ensuring timely collections while maintaining positive customer relationships. This role requires a strong understanding of the industry, exceptional leadership skills, and a proven track record in both credit management and collections.

• Provide strong leadership, guidance, and mentorship to the credit and collections teams, including training and performance management.
  
• Set clear performance targets for both credit underwriting and collections, and ensure the team consistently meets or exceeds them.
  
• Foster a high-performance culture that promotes accountability, teamwork, and continuous improvement.
  

• Oversee the end-to-end credit lifecycle, including loan application review, credit evaluation, approval, disbursement, and post-disbursement monitoring.
  
• Develop and implement efficient credit and collections policies, procedures, and workflows to enhance operational effectiveness.
  
• Strengthen collections strategies, ensuring timely follow-ups, debt recovery, and resolution of delinquent accounts.
  
• Collaborate closely with sales and other departments to ensure seamless operations and a positive customer experience.
  

• Assess the creditworthiness of applicants through detailed analysis of financial information, credit reports, and supporting documentation.
  
• Make informed credit decisions while balancing Business growth and risk.
  
• Monitor portfolio performance, including arrears, delinquency trends, and recovery rates.
  
• Implement proactive risk mitigation and collections strategies to minimize defaults and optimize portfolio quality.
  

• Ensure all credit and collections activities comply with applicable laws, regulations, and industry best practices.
  
• Maintain adherence to internal policies as well as AML and KYC requirements.
  
• Work closely with compliance teams to uphold data integrity and proper documentation standards.
  

• Prepare and present regular reports on credit and collections performance, including key metrics such as approval rates, portfolio quality, and recovery rates.
  
• Analyze data to identify trends, gaps, and opportunities for improvement.
  
• Provide actionable insights and recommendations to enhance credit processes, strengthen collections, and improve overall portfolio profitability.