Credit Operations & Recoveries Lead Consultant

About the role

The Credit Operations & Recoveries Lead Consultant leads and executes collections strategies across the Kenya and Uganda portfolios, reporting to the Finance Manager. The role works closely with Data, Credit, Product, Finance and Uganda teams to drive high recovery rates, maintain strong portfolio quality and comply with regulatory requirements.

Key responsibilities

• Improve, standardise and document credit and collections processes, implement gap-analysis recommendations and give structured feedback to Product, Tech and Data teams
• Ensure compliance with CBK regulations (under DCP licence) and data protection laws, and align operations with internal credit policies
• Design data-driven collections strategies, take part in Credit Committee meetings and deliver weekly performance insights
• Build training materials, work with the Collections Team Lead, recommend automation tools and design incentive and commission structures
• Audit and guide External Debt Collectors (EDCs) in Kenya and replicate their approach in Uganda
• Hold weekly reviews with Uganda stakeholders, escalate key risks to the Credit Committee and report on the Uganda portfolio
• Collaborate with Finance, the Uganda team and the Data team, and prepare weekly reports with action items tracked to completion

Required profile

• Strong experience in credit operations, collections or recoveries, preferably in fintech or banking
• Deep understanding of the lending lifecycle and portfolio risk management
• Proven leadership and team management experience
• Familiarity with regulatory frameworks such as CBK requirements
• Execution-driven, detail-oriented and able to balance strategy with hands-on operational leadership

Required skills

• Analytical, data-driven decision-making
• Stakeholder management and communication

Deliverables include updated collections policy and workflow documentation, cash flow monitoring and at-risk borrower reporting, an automated collections platform integrated with LMS, training materials, tracked collections KPIs and weekly reports submitted by Thursday 5:00 PM. Applications are made by sending a CV and cover letter with the reference REF: 26 / CREDIT OPERATIONS & RECOVERIES LEAD -CONSULTANT.