Credit Control Manager

About the Job

A. Credit Control Strategy & Leadership

• Develop and implement effective credit control and collection strategies.
• Set clear targets for recovery, Portfolio at Risk (PAR), and Non-Performing Loan (NPL) reduction.
• Lead, supervise, and motivate the credit control team across all branches.
• Ensure alignment of credit control activities with company objectives.

B. Portfolio Monitoring & Delinquency Management

• Monitor daily loan portfolio performance across all branches.
• Track key indicators such as PAR (1, 7, and 30 days), NPL ratio, and collection efficiency.
• Identify early warning signals and take proactive corrective action.
• Ensure proper segmentation of delinquent accounts (early, mid, and late stage).

C. Collections & Recovery Management

• Oversee all collection activities including soft and hard collections.
• Ensure timely follow-up on overdue accounts.
• Approve and monitor repayment plans and restructuring cases.
• Manage recovery actions including field visits and legal follow-ups.
• Maximize recovery while maintaining customer relationships.

D. Legal & Escalation Coordination

• Coordinate closely with the legal team on default and write-off cases.
• Ensure proper documentation for legal recovery actions.
• Monitor progress of legal cases and enforce accountability.
• Approve escalation of high-risk or chronic defaulters.

E. Process Control & Compliance

• Ensure adherence to credit policies and collection procedures.
• Strengthen internal controls to prevent fraud and process gaps.
• Review and improve collection workflows and standard operating procedures.
• Ensure compliance with regulatory and internal standards.

F. Reporting & Performance Management

• Prepare daily, weekly, and monthly reports on collections performance, delinquency trends, and recovery rates.
• Analyze portfolio performance and recommend corrective actions.
• Track team productivity and performance against targets.
• Present insights and action plans to senior management.

G. Team Management & Capacity Building

• Supervise and coach credit control officers and senior staff.
• Set individual KPIs and monitor performance.
• Provide ongoing training on collection techniques, negotiation skills, and customer handling.
• Build a high-performance and accountable team culture.

H. Customer Handling & Retention

• Ensure professional handling of delinquent customers.
• Balance recovery efforts with customer retention strategies.
• Handle escalated or sensitive customer cases when required.

About You

Education: Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.

Experience:

• 5–7+ years of experience in credit control, collections, or loan recovery.
• Experience in banking, microfinance institutions (MFI), or fintech sectors.
• At least 2–3 years in a supervisory or managerial role.

Required Skill:

• Ability to coordinate multiple tasks and work under pressure.

Skills Required:

• Accounting / Finance
• Economics / Statistics