Provide oversight and manage the Risk, Recovery and tracking department in line with company objectives and guidelines.

Duties and Responsibilities:
The Employee’s duties and responsibilities shall include, but not be limited to the following:
Review, update and ensure implementation of Risk, Recovery and tracking policies and procedures
Developing and implementing policies and contingency plans to reduce and control risks and liabilities.
• Prepare and present risk assessment reports and proposals.
• Plan, design and implement an overall risk management process for the company
• Conduct risk assessment and recommend mitigation interventions to Management
• Evaluate risk levels and implications and create risk appetite profile in line with company operations
• Handling the credit team in managing the daily administration for loan documentation in full compliance with the internal standards and external regulatory requirements.
• Review loan documents and liaise with internal and external parties to ensure proper and efficient delivery of credit administration duties.
• Ensure all lending documentation is complete as per the Company Policy and Procedures with respect to the amount financed, terms and conditions, borrower’s borrowing mandate, authorized signatory etc.
• Ensure post disbursement compliance with approved terms and conditions in line with the credit policy.
• Generate and review daily system credit monitoring and management reports and identify non-performing accounts with irregularities
• Coordinate teams to proactively follow up to ensure corrective action is taken in line with credit policy.
• Monitor all irregularities, past dues, documentation deficiencies, etc., and report to the Branch Manager.
• Release all the impounded bikes and doing the necessary documentation.
• Conduct spot checks on the operations team and document feedback
• Ensure that the repayments are coming in and arrears are being followed up
• Monitor and evaluate staff’s performance, and provide relevant guidance, coaching and training ensuring high perfromance levels line with the company and departmental guidelines.
• Ensure post disbursement compliance in line with the credit policy.
• Ensure that repayments are coming in and arrears are being followed up
• Develop and evaluate staff’s performance, and provide relevant guidance, coaching and training ensuring high perfromance levels line with the company and departmental guidelines.
• Prepare and submit monthly and annual reports
• Perform any other duties as may be assigned by the supervisor.

Qualifications and specifications:
• Must hold a minimum of a bachelor’s degree in Microfinance or any related field
• Must have 3-5 years of working experience in similar roles in reputable organizations
• Applicant must have at least two (2) years working experience in micro credit environment
• Must possess excellent multi-tasking skills and the ability to function under pressure.
• Have excellent communication and interpersonal skills
• Must have high levels of personal and professional integrity
• Must be able and willing to ride a motorcycle and possess a valid riding license with Class A