Collections and Recovery Manager

Qualifications & Experience

• Bachelor’s degree in Finance, Business Administration, or related field
  
• Minimum 5 years’ experience in credit collections and recovery, preferably in microfinance or retail lending
  
• Strong understanding of credit risk, loan lifecycle, and customer behavior
  
• Proven leadership and team management skills
  
• Excellent negotiation, communication, and analytical abilities
  
• Familiarity with digital collection tools and MIS systems is a plus
  
• staff retention, and a culture of continuous growth.
  

Collections Strategy & Execution

• Develop and implement effective collection strategies tailored to microfinance credit products
  
• Monitor daily, weekly, and monthly collection performance across branches or regions
  
• Supervise field collection officers and ensure adherence to collection protocols
  
• Analyze repayment trends and recommend proactive measures to reduce delinquency
  

Recovery Operations

• Lead recovery efforts for non-performing loans (NPLs) and write-offs
  
• Coordinate with legal teams and external recovery agents where necessary
  
• Negotiate repayment plans with clients and ensure compliance
  
• Maintain accurate records of recovery actions and outcomes
  

Portfolio Risk Management

• Track portfolio at risk (PAR) and provide regular reports to senior management
  
• Identify high-risk segments and recommend targeted interventions
  
• Collaborate with credit and underwriting teams to improve loan quality
  

Team Leadership & Capacity Building

• Train and mentor collection officers on best practices and ethical recovery methods
  
• Conduct regular performance reviews and field audits
  
• Foster a culture of accountability, integrity, and customer respect
  

Key Performance Indicators (KPIs)

• Portfolio at Risk (PAR) reduction
  
• Recovery rate on delinquent and written-off loans
  
• Collection efficiency ratio
  
• Compliance with internal and regulatory standards