Current Opportunities 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.

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Responsibilities:

• Carrying out opening duties by, heading team briefs and assigning employee their tasks for the day   
• Supervising and manage staff at the branch level and ensure their performance targets are met   
• Managing office operations such as rent payments, permits, petty cash and any other payment.   
• Training and coach new staff so that they understand company products and services   
• Overseeing and monitor the performance of staff portfolios   
• Analyzing the market and advise on risks and how to mitigate them   
• Assessing local market conditions and identify current and prospective opportunities   
• Ensuring branch goals and targets are met   
• Market the branch within the community to attract business   
• Carry out closing duties by reconciling daily collections, disbursements and ensuring they are captured correctly on the system   
• Travel across the area for business development.

Requirements:

• Bachelor’s degree in business administration or any other business-related course   
• Minimum of 3 years of experience in leadership specifically from a microfinance/ microcredit Industry   
• Ability to manage multiple sales team and deliver results.   
• Ability to work under pressure   
• Strong leadership skills   
• Proactive and good listener   
• Good performance management skills   
• Superior organizational and time management skills   
• High Computer skills   
• Good track records of delivering sales targets.