Jobs 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.

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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.