Head of Collections at Human Capital Outsourcing Limited

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.

Requirements:

• 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.