Regional Collections Manager
Permanent - Full TimeJob Overview
Location: Antananarivo, Madagascar
About the role:
The Regional Collection Manager position is a field based role under the Global Risk and Credit team in Madagascar. The role holder will be in charge of overseeing and managing credit risk & other risks within the Easy buy business with a special focus on collections and recoveries. This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance.
About the role:
The Regional Collection Manager position is a field based role under the Global Risk and Credit team in Madagascar. The role holder will be in charge of overseeing and managing credit risk & other risks within the Easy buy business with a special focus on collections and recoveries. This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance.
What you would be expected to do:
Evaluate portfolio performance:
- Identifying and classifying customers at risk of default through data evaluation and direct client interaction.
- Identification of portfolio Reflags and timely reporting of the same
- Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
- Evaluating regional/Area trends, specific Product trends and proposing remedies to avert any negative trends.
Audit & Compliance:
- Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc )
- Provide detailed findings with actionable risk mitigation recommendations.
Collections Interventions:
- Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients on boarded.
- Generate, Define and implement field based collection strategies directly or through the field teams to improve collections.
- Develop portfolio management policies
Fraud management:
- Ensure investigations into reported fraud cases are done in a timely manner and cases closed within SLA.
Reporting & Documentation:
- Prepare comprehensive field reports including data collation, process documentation, and operational insights. Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
- Any other task allocated by the credit head/Risk management team in relation to the role scope from time to time.
You would be a strong candidate if you:
- Hold a bachelor’s Degree in finance, Risk Management or a related business field, over 5 years related experience preferably in the Audit/Risk/Credit/Analytics department with at least 2 years in a supervisory role
- Possess any other relevant certification in Credit Management or Business evaluation/Statistics/ Data/Computer Science is an added advantage.
- Demonstrate significant knowledge of data collection, field surveys
- Are excellent in planning, organizational and evaluation skills with strong attention to detail
- Are proficient in English.
- Show self-drive, flexibility, can quickly adapt to change, and able to multitask in a fast-paced environment
- Have clear thinking/problem solving ability. Ability to spearhead/steer projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them
- Possess strong people- management skills to direct and motivate a team of professionals
- Have excellent presentation and communication skills, both verbal and written expression.
- Demonstrate team work skills and stakeholder management: Ability to engage effectively with key stakeholders, working.
- Have the ability to work with teams to ensure sound business outcome.
- Are outstanding in planning and organization.
- Have the ability to work alone with minimum supervision.
- Demonstrate willingness to spend 70% of the time in the field.
- Have high level of integrity and discretion.