Responsibilities Team Leadership & Performance Management Provide strong leadership, guidance, and mentorship to the credit and collections teams, including training and performance management. Set clear performance targets for both credit underwriting and collections, and ensure the team consistently meets or exceeds them. Foster a high-performance culture that promotes accountability, teamwork, and continuous improvement. Credit & Collections Operations Management Oversee the end-to-end credit lifecycle, including loan application review, credit evaluation, approval, disbursement, and post-disbursement monitoring. Develop and implement efficient credit and collections policies, procedures, and workflows to enhance operational effectiveness. Strengthen collections strategies, ensuring timely follow-ups, debt recovery, and resolution of delinquent accounts. Collaborate closely with sales and other departments to ensure seamless operations and a positive customer experience. Risk Assessment, Portfolio Monitoring & Mitigation Assess the creditworthiness of applicants through detailed analysis of financial information, credit reports, and supporting documentation. Make informed credit decisions while balancing Business growth and risk. Monitor portfolio performance, including arrears, delinquency trends, and recovery rates. Implement proactive risk mitigation and collections strategies to minimize defaults and optimize portfolio quality. Compliance & Regulatory Adherence Ensure all credit and collections activities comply with applicable laws, regulations, and industry best practices. Maintain adherence to internal policies as well as AML and KYC requirements. Work closely with compliance teams to uphold data integrity and proper documentation standards. Reporting, Insights & Continuous Improvement Prepare and present regular reports on credit and collections performance, including key metrics such as approval rates, portfolio quality, and recovery rates. Analyze data to identify trends, gaps, and opportunities for improvement. Provide actionable insights and recommendations to enhance credit processes, strengthen collections, and improve overall portfolio profitability. go to method of application »