Credit Operations & Recoveries Lead- Consultant

Pezesha is hiring a Credit Operations & Recoveries Lead Consultant to lead collections strategies across its Kenya and Uganda portfolios. The role focuses on portfolio recovery, credit and collections process improvement, regulatory compliance, team performance, and data-driven portfolio management.

Key Job Information

• Position: Credit Operations & Recoveries Lead – Consultant
• Level: Expert
• Department: Credit Operations
• Location: Kenya, with oversight of the Uganda portfolio
• Reporting to: Finance Manager

About the Role

The Credit Operations & Recoveries Lead Consultant will work across Kenya and Uganda to develop and execute collections strategies that support strong recovery rates and portfolio quality. The role collaborates with Data, Credit, Product, Finance, and Uganda teams while ensuring collections activities comply with applicable regulatory and data protection requirements.

Key Responsibilities

• Improve, standardize, document, and align credit and collections processes with internal policies and regulatory requirements.
• Implement gap-analysis recommendations and provide structured feedback to Product, Technology, and Data teams.
• Design and implement data-driven collections strategies aligned with portfolio objectives.
• Participate in Credit Committee meetings and provide portfolio insights and strategic recommendations.
• Prepare weekly performance insights and contribute to board presentations on portfolio performance and strategy.
• Develop training materials, support team upskilling, and work with the Collections Team Lead to improve productivity.
• Recommend process automation tools and develop incentive and commission structures to support collections performance.
• Manage account allocation, conduct weekly performance reviews with team leads, and support collector performance.
• Audit External Debt Collector performance in Kenya and support replication of effective practices in Uganda.
• Establish EDC workflows, accountability measures, communication channels, and performance monitoring processes.
• Conduct weekly performance and strategy reviews with Uganda stakeholders and monitor the Uganda portfolio.
• Collaborate with Finance, Uganda, and Data teams on risk identification, recovery planning, productivity, and data experiments.
• Prepare weekly collections and portfolio performance reports and track management action items through completion.

Key Deliverables

• Updated and strengthened collections policy documentation.
• Cash flow monitoring and at-risk borrower reporting.
• Implementation of an automated collections platform integrated with the LMS.
• Customer support escalation framework aligned with collections.
• Completed training materials and trained credit and collections teams.
• Clearly defined and tracked collections KPIs.
• Updated end-to-end collections workflows and scripts.

Performance Expectations

• Achieve recovery targets of 10% in Kenya and 5% in Uganda on loans above PAR 1.
• Achieve at least 5% recovery of written-off loans across both markets.
• Submit weekly reports by Thursday at 5:00 PM.
• Complete 95% of weekly action items.
• Execute and report consistently on data experiments.
• Hold weekly Uganda strategy and performance meetings.
• Improve External Debt Collector recovery conversion rates by at least 10%.
• Maintain zero churn among top performers over six months.
• Complete WWB deliverables fully and on time.
• Complete daily file allocation before 8:00 AM while maintaining fewer than five audit issues per month.

Required Skills and Qualifications

• Strong experience in credit operations, collections, or recoveries, preferably within fintech or banking.
• Deep understanding of the lending lifecycle and portfolio risk management.
• Strong analytical and data-driven decision-making skills.
• Proven leadership and team management experience.
• Familiarity with regulatory frameworks, including CBK requirements.
• Excellent stakeholder management and communication skills.
• Ability to balance strategic planning with hands-on operational leadership.

How to Apply

Interested candidates should send their CV and cover letter to [email protected].

The email subject line must follow this format: REF: 26 / CREDIT OPERATIONS & RECOVERIES LEAD -CONSULTANT.

Applications without the correct reference number and job title will be automatically disqualified. Applications will be reviewed on a rolling basis.