At Human Capital Outsourcing Limited, we are trusted strategic partners in realizing visions through HR consultancy excellence. We are seeking a Head of Collections to lead our debt recovery efforts and manage the collections team to maintain a healthy loan portfolio. The role involves developing strategic repayment models, monitoring portfolio performance, and ensuring that all collection activities comply with internal policies and regulatory standards.
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.
