Chief Collection Officer

Role Overview

This role leads the full collections and recovery lifecycle for a multi-branch asset finance company, covering logbook-backed and boda boda loans. Day to day, you will steer both desk-based collections and field operations to reduce Portfolio at Risk (PAR), while maintaining a disciplined, accountable culture across every branch. Your decisions directly impact the company's cash flow and loan portfolio health, making this a critical leadership position for financial stability.

Key Responsibilities

• Develop and drive a unified collections and recovery strategy across all branches, aligning local strategies with central portfolio targets.
• Direct field tracing, skip tracing, and in-person borrower visits to locate delinquent customers and negotiate repayment plans.
• Oversee the repossession of logbook and boda boda assets, coordinating secure recovery and minimising asset depreciation and loss.
• Analyse delinquency and PAR trends across all loan products, producing regular portfolio health reviews and recommending corrective action.
• Coordinate with auctioneers, legal teams, and private investigators to execute lawful recovery procedures and handle contested cases.
• Recruit, train, and manage collections officers and field teams, equipping them with the tools and techniques needed for effective recovery.
• Set key performance indicators for each branch and team member, tracking collection rates, PAR reduction, and customer-contact success.
• Enforce branch accountability through weekly performance reviews, escalation pathways, and targeted interventions for underperforming branches.

Requirements & Qualifications

• At least 5 years of experience in collections, asset recovery, or credit risk management, with a demonstrable record of reducing PAR.
• A minimum of 2 years in a leadership or supervisory role, managing collection teams across multiple branches or geographic areas.
• Practical knowledge of asset repossession processes, auctioneering procedures, and relevant local lending and recovery regulations.
• Strong analytical skills to interpret delinquency data, spot trends, and translate insights into concrete recovery actions.
• Excellent negotiation, conflict-resolution, and written/verbal communication skills for engaging borrowers, field agents, and external partners.
• Willingness to travel frequently to branches and accompany field teams on customer visits and repossession operations.
• A bachelor's degree in Finance, Business Administration, or a related field is required; a certification in credit management or debt recovery is a strong plus.

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Cc : [email protected]

Cc : [email protected]