Head of Collections

𝗜𝗻𝗱𝘂𝘀𝘁𝗿𝘆: Microfinance / Micro-Credit
𝗘𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁 𝗧𝘆𝗽𝗲: Full-time
𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻: Nairobi
𝗥𝗲𝗽𝗼𝗿𝘁𝘀 𝗧𝗼: Chief Operating Officer / Managing Director
𝗦𝗮𝗹𝗮𝗿𝘆 𝗥𝗮𝗻𝗴𝗲: KES 150,000 – 200,000
𝗣𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝗢𝘃𝗲𝗿𝘃𝗶𝗲𝘄
On behalf of our client, we're recruiting an experienced Head of Collections to lead and manage the end-to-end loan recovery function for a microfinance institution offering revolving credit to small business owners with flexible weekly repayment structures. The role is responsible for driving collections performance, reducing portfolio at risk (PAR), enforcing credit policies, managing internal and external collection teams, and ensuring sustainable loan book quality while balancing customer retention and responsible recovery practices.
𝗞𝗲𝘆 𝗥𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝗶𝗲𝘀
  • Develop and implement collections strategies aligned to weekly repayment models.
  • Lead, manage, and coach internal debt collection teams and external agencies.
  • Monitor and control portfolio at risk (PAR), delinquency ratios, and recovery performance.
  • Ensure daily, weekly, and monthly collections targets are achieved.
  • Oversee early, mid, and late-stage delinquency management processes.
  • Review and approve repayment plans, restructures, and write-off recommendations.
  • Ensure compliance with credit policies, internal controls, and regulatory requirements.
  • Manage repossession and asset recovery processes where applicable.
  • Handle escalated customer cases, disputes, and sensitive recovery matters.
  • Analyze collection trends and data to improve recovery strategies.
  • Prepare and present regular collections performance reports to senior management.
  • Collaborate with credit, sales, and operations teams to improve loan quality.
𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀, 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, 𝗦𝗸𝗶𝗹𝗹𝘀 & 𝗖𝗼𝗺𝗽𝗲𝘁𝗲𝗻𝗰𝗶𝗲𝘀
  • Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
  • Minimum of 5–7 years’ experience in credit management or debt collections within microfinance.
  • Strong understanding of revolving credit and weekly repayment models.
  • Proven track record in reducing PAR and improving recovery rates.
  • Strong leadership, negotiation, and people management skills.
  • Knowledge of debt recovery processes, credit policy enforcement, and regulatory compliance.
  • Excellent analytical, reporting, and decision-making abilities.
  • High integrity, resilience, and customer-focused approach.