Portfolio Recovery Manager

Company: Oya Microcredit Ltd Location: Nairobi Employment Type: Full-Time Reports To: CEO

Key Responsibilities

• Oversee and manage the Portfolio Recovery team to ensure efficient and effective debt collection processes
• Monitor loan portfolios and identify delinquent accounts for immediate action

• Develop and implement recovery strategies to reduce non-performing loans (NPLs)
• Guide the team in following up with clients through calls, messages, and field visits to ensure timely repayments

• Oversee the recovery of outstanding debts while maintaining positive client relationships
• Assess portfolio risk levels and recommend appropriate recovery actions

• Review and approve repayment plans negotiated with clients
• Ensure accurate and up-to-date records of all recovery activities

• Prepare and review daily, weekly, and monthly portfolio performance reports
• Track loan performance and provide insights to support strategic decision-making

• Collaborate closely with Credit and Operations teams to reconcile payments and improve portfolio quality
• Ensure compliance with internal policies and regulatory requirements, including credit reporting standards

Qualifications and Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Statistics, Business Administration, Banking & Finance, Actuarial Science, or a related field (mandatory)
• Professional certification in Credit Risk Management or Debt Collection/Recovery will be an added advantage

• CPA (K) or ACCA qualification will be an added advantage
• Minimum of 2 years’ experience in a supervisory or team leadership role within collections, portfolio management, or credit

• Proven experience in loan portfolio monitoring, debt recovery, and delinquency management
• Prior experience in a microcredit or financial institution is highly desirable

• Experience in loan performance analysis, portfolio reporting, and risk assessment
• Proficiency in MS Excel and reporting tools; experience with loan management systems is an added advantage

Key competencies

• Leadership & Team Management : Ability to lead, mentor, and drive performance of recovery teams, including field staff
• Debt Recovery & Negotiation Skills : Strong ability to negotiate repayment plans and recover delinquent accounts while maintaining professionalism

• Analytical & Risk Assessment Skills : Strong capability to interpret portfolio data, identify trends, and make informed decisions
• Results Orientation : Proven ability to meet and exceed recovery targets and improve portfolio quality

• Problem Solving & Decision Making : Ability to act swiftly on delinquent accounts and implement effective recovery strategies
• Communication & Interpersonal Skills : Clear and professional communication with clients, internal teams, and stakeholders

• Attention to Detail & Accuracy : High level of accuracy in reporting, reconciliation, and record-keeping
• Integrity & Professionalism : Handles sensitive financial information with discretion and adheres to ethical standards

• Adaptability & Resilience : Ability to work under pressure in a fast-paced, target-driven environment
• Collaboration : Works effectively with Credit, Operations, and Finance teams to enhance overall portfolio performance