Credit &Recovery Team Lead

· Supervise the credit process from customer application and verification through approval, disbursement and post-disbursement monitoring.

· Review customer credit assessments and ensure proper documentation and verification before loan approval.

· Ensure that credit decisions are made in line with the Company's lending policies and risk guidelines.

· Monitor the quality and performance of the loan portfolio.

· Identify potential credit risks and recommend appropriate actions to management.

· Ensure accurate and timely maintenance of customer credit records.

· Work closely with the Credit Sales Officers to ensure quality loan origination and responsible lending.

Recovery & Collections

· Oversee the Company's loan recovery and collections activities.

· Monitor overdue and delinquent accounts and ensure timely follow-up with customers.

· Develop and implement effective recovery strategies for outstanding loans.

· Supervise recovery officers and ensure that collection targets are achieved.

· Maintain regular contact with customers with outstanding obligations and negotiate appropriate repayment arrangements where necessary.

· Escalate difficult or high-risk accounts to management for appropriate action.

· Maintain accurate records of recovery activities, repayments and outstanding balances.

· Ensure recovery activities are conducted professionally and in accordance with Company policies.

Team Leadership

· Supervise, coach and motivate the Credit and Recovery team.

· Set performance targets and monitor team members' progress.

· Conduct regular reviews of team performance and provide feedback and guidance.

· Identify training and development needs within the team.

· Promote accountability, discipline and effective teamwork.

Reporting & Portfolio Monitoring

· Prepare regular reports on loan disbursements, repayments, outstanding balances, delinquency and recoveries.

· Monitor key credit and recovery performance indicators.

· Provide management with timely updates on portfolio performance and significant credit risks.

· Analyze portfolio trends and recommend measures to improve repayment performance and reduce losses.

· Ensure proper reconciliation and accuracy of credit and recovery records.

Requirements

· Bachelor's degree in Accounting, Finance, Economics, Business Administration or a related field.

· 3–5 years of relevant experience in credit, lending, collections or loan recovery, preferably within a microfinance institution, financial services company, Fin tech or similar environment.

· Previous experience supervising or leading a credit, collections or recovery team.

· Strong knowledge of credit assessment, loan monitoring and recovery processes.

· Good understanding of loan portfolio management and credit risk.

· Strong analytical, negotiation and problem-solving skills.

· Excellent communication and customer management skills.

· Ability to work with targets and under pressure.

· Proficiency in Microsoft Excel and other relevant financial/credit management tools.