Key Responsibilities 

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 

​​​​​​​Ideal Candidate Profile

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.

Key Competencies

Strategic Thinking: Ability to design and execute effective collection and recovery strategies aligned with organizational goals.

Analytical Skills: Strong capability to analyse portfolio performance, repayment behaviour, and risk trends to inform decision-making.

Leadership & People Management: Proven ability to inspire, mentor, and manage diverse teams to achieve results.

Negotiation & Conflict Resolution: Skilled in handling sensitive client discussions, negotiating repayment plans, and maintaining professionalism.

Regulatory & Compliance Knowledge: Sound understanding of microfinance regulations, ethical collection practices, and risk management principles.

Results Orientation: Focused on achieving KPIs including PAR reduction, recovery targets, and efficiency improvements.

Communication & Interpersonal Skills: Excellent verbal and written communication with the ability to engage clients, staff, and senior management effectively.

Adaptability & Innovation: Ability to embrace digital tools, innovate recovery processes, and respond proactively to market and client dynamics.

Integrity & Customer-Centric Approach: Demonstrates ethical standards, respect for clients, and commitment to protecting the organization’s reputation.