Credit Manager (Maternity Reliever) at Umba
Umba View all jobs
- Nairobi
- Permanent
- Full-time
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.
- 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.
- 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.
- 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.
- 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.
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