Regional Managers at Human Capital Outsourcing Limited

Responsibilities

• Regional Business Growth: Develop and execute regional business strategies to achieve lending, disbursement, revenue and portfolio growth targets.
• Portfolio Management: Oversee the quality and performance of the regional loan portfolio, ensuring sustainable portfolio growth and effective management of portfolio-at-risk (PAR).
• Collections Performance: Drive collections strategies to improve repayment rates, reduce arrears, minimise defaults and strengthen overall money recovery.
• Multi-Branch Leadership: Provide leadership and performance oversight to Area Managers, Branch Managers and other regional teams, ensuring alignment with corporate objectives.
• Target Achievement: Translate corporate business objectives into measurable regional and branch targets, continuously monitoring performance against set KPIs.
• Market Expansion: Identify new business opportunities, assess market potential and drive customer acquisition, retention and geographical expansion.
• Credit Risk Management: Ensure adherence to credit policies, lending procedures, customer assessment standards and responsible credit practices.
• Operational Excellence: Monitor branch productivity, operational efficiency, cost management and utilisation of available business resources.
• Performance Management: Conduct regular performance reviews, coach underperforming managers and implement structured performance improvement interventions.
• Data Analysis and Reporting: Analyse regional performance reports, identify emerging trends and provide timely management reports with actionable recommendations.
• Compliance and Internal Controls: Ensure branches comply with company policies, regulatory requirements, audit standards and established operational controls.
• People Development: Build a high-performing regional team through talent development, succession planning, coaching and accountability management.

Skills & Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.
• A professional qualification in Credit Management, Banking, Finance or Business Management will be an added advantage.
• At least 5–8 years of relevant experience in microfinance, microcredit, banking, lending or financial services.
• At least 3 years in a senior leadership position managing multiple branches, territories or business units.
• Demonstrated experience in managing sizeable loan portfolios and multi-location teams.
• Strong understanding of credit risk, revolving credit products, collections and portfolio management.
• Strategic and commercial leadership.
• Multi-branch operations management.
• Credit and portfolio risk management.
• Advanced analytical and reporting skills.
• Financial and business acumen.
• Performance management and coaching.
• Negotiation and stakeholder management.
• Decision-making and problem-solving.
• Strong communication and interpersonal skills.
• High integrity and accountability.