Area Managers at Human Capital Outsourcing Limited

Responsibilities

• Area Business Performance: Drive the achievement of business targets across assigned branches, including disbursements, revenue, customer acquisition and portfolio growth.
• Branch Supervision: Provide direct operational oversight to Branch Managers, ensuring effective execution of business plans and adherence to company standards.
• Collections Management: Monitor daily and monthly collections performance, drive arrears recovery initiatives and ensure timely repayment of outstanding customer balances.
• Portfolio Quality: Monitor PAR, overdue accounts, loan ageing and repayment trends, implementing corrective measures to minimise credit losses.
• Customer Acquisition: Drive new customer acquisition, repeat borrowing, customer retention and increased utilisation of revolving credit facilities.
• Target Monitoring: Track branch performance against agreed KPIs, identify performance gaps and ensure timely implementation of recovery action plans.
• Credit Administration: Ensure proper loan appraisal, customer verification, credit assessment, approvals and adherence to established lending procedures.
• Field Operations: Conduct regular branch visits, accompany teams on field activities and evaluate customer acquisition, credit monitoring and collections effectiveness.
• Team Leadership: Supervise, motivate, coach and develop Branch Managers and their teams to enhance productivity, ownership and accountability.
• Operational Compliance: Ensure adherence to company policies, internal controls, cash management procedures, credit policies and regulatory requirements.
• Customer Experience: Address escalated customer complaints, service delivery challenges and operational concerns to enhance customer satisfaction and retention.
• Performance Reporting: Prepare and submit accurate area performance reports, highlighting achievements, challenges, portfolio trends and recommended interventions.

Skills & Requirements

• Bachelor's degree or Diploma in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.
• Professional training or certification in Credit Management, Microfinance, Banking or Business Management will be an added advantage.
• At least 3–5 years of relevant experience in microfinance, microcredit, banking, lending or financial services.
• At least 2 years of experience in a supervisory or management role overseeing branch operations, teams or multiple business units.
• Demonstrated experience in loan portfolio management, credit administration and collections.
• Practical understanding of revolving credit products and customer lending cycles will be an added advantage.
• Branch and territory management.
• Business development and sales leadership.
• Credit and collections management.
• Portfolio monitoring and risk control.
• Performance monitoring and reporting.
• Team supervision and coaching.
• Problem-solving and decision-making.
• Customer relationship management.
• Negotiation and communication skills.
• High integrity and results orientation.