KEY RESPONSIBILITIES

• Portfolio monitoring: Track the device loan portfolio daily, including current, overdue, suspended and defaulted accounts.
• Delinquency management: Follow up overdue accounts by aging category and act early on customers showing signs of repayment difficulty.
• Recovery coordination: Work with Agents, RSMs and field teams on defaulted accounts and ensure recovered devices are documented and reconciled.
• Payment follow-up: Monitor promises-to-pay, repayment arrangements and guarantor follow-ups, and verify reported payments with Finance.
• Risk and fraud control: Identify high-risk accounts and report suspected fraud, false customer information or irregularities.
• Data accuracy: Reconcile portfolio records across the company system, Finance and Agent records, and resolve discrepancies.
• Complaints and disputes: Investigate portfolio-related customer complaints such as balance or payment disputes.
• Reporting: Prepare daily, weekly and monthly portfolio, aging and collection reports with recommendations to management.

REQUIREMENTS

• Diploma or Bachelor’s degree in Finance, Accounting, Banking, Business Administration or a related field.
• At least 1–2 years’ experience in credit, loan portfolio management, collections or microfinance.
• Strong analytical and reporting skills, with good working knowledge of MS Excel.
• Excellent communication and negotiation skills in Kiswahili and English.
• High integrity, attention to detail and ability to handle confidential information.
• Experience in device financing or asset-based lending is an added advantage.
• Ability to drive with a valid driving licence is an added advantage.

• Track the device loan portfolio daily, including current, overdue, suspended and defaulted accounts.
• Follow up overdue accounts by aging category and act early on customers showing signs of repayment difficulty.
• Work with Agents, RSMs and field teams on defaulted accounts and ensure recovered devices are documented and reconciled.
• Monitor promises-to-pay, repayment arrangements and guarantor follow-ups, and verify reported payments with Finance.
• Identify high-risk accounts and report suspected fraud, false customer information or irregularities.
• Reconcile portfolio records across the company system, Finance and Agent records, and resolve discrepancies.
• Investigate portfolio-related customer complaints such as balance or payment disputes.
• Prepare daily, weekly and monthly portfolio, aging and collection reports with recommendations to management.

• Strong analytical and reporting skills
• Good working knowledge of MS Excel
• Excellent communication and negotiation skills in Kiswahili and English
• High integrity
• Attention to detail
• Ability to handle confidential information

• Diploma or Bachelor’s degree in Finance, Accounting, Banking, Business Administration or a related field.
• At least 1–2 years’ experience in credit, loan portfolio management, collections or microfinance.
• Experience in device financing or asset-based lending is an added advantage.
• Ability to drive with a valid driving licence is an added advantage.