Collection and Portfolio Risk Manager

About the Role

The Collection and Portfolio Risk Manager at Baikal Finance Services plays a crucial role in ensuring the financial health of the organization by leading the collections function and managing the quality of the loan portfolio. This position is vital for safeguarding the company’s assets and maintaining a sustainable business model. In the initial months, you will focus on understanding existing processes, setting performance targets for the collections team, and implementing strategies to lower arrears. Your analytical skills will be essential in monitoring portfolio risks and improving collection practices that align with regulatory guidelines. This role is an excellent opportunity for those with a strong background in finance and data management to make a significant impact in a growing financial services company.

Key Responsibilities

• You will drive timely collections while ensuring that arrears are managed effectively and ethically, maintaining a balance between firmness and fairness.
• Leading the collections team, you will set and communicate daily, weekly, and branch-specific targets to enhance performance and accountability.
• Monitoring the Portfolio at Risk (PAR) for 1, 30, and 90 days will be essential as you work to reduce overall arrears across the loan book.
• You will design and implement follow-up, restructuring, and escalation strategies for clients with overdue payments, ensuring proactive engagement.
• Coordinating with field agents for the repossession of financed motorcycles will be part of your responsibilities, ensuring compliance with legal frameworks.
• Your role will involve assessing and improving collection practices to ensure they adhere to Ugandan law and UMRA guidelines, promoting ethical behavior in all transactions.
• You will protect the quality of the loan book by identifying risks early and making recommendations for underwriting improvements based on credit policy reviews.

Requirements & Qualifications

• A minimum of 5 years of experience in credit, collections, or risk management within the microfinance or asset finance sectors is required.
• Strong analytical skills with the ability to interpret data trends which will help in identifying potential risks in the portfolio.
• Proven leadership experience, where you have successfully managed a team and driven performance improvements in a collections environment.
• Excellent communication and interpersonal skills to effectively interact with clients, team members, and upper management.
• You should possess a solid understanding of Ugandan financial regulations and ethical collection practices.

What You’ll Gain

• Enhance your leadership skills as you manage and mentor a team within a dynamic financial environment.
• Develop a deep understanding of portfolio risk management, which is critical for advancing your career in finance.
• Gain valuable experience in implementing data-driven strategies to improve collections and mitigate risks.
• Opportunities for career advancement within Baikal Finance Services, as the company grows and expands its impact in the financial sector.

How to Apply

If you are interested in this role, please Apply here.