Key Responsibilities
Collections Strategy & Execution
- Develop and implement effective collection strategies tailored to microfinance credit products
- Monitor daily, weekly, and monthly collection performance across branches or regions
- Supervise field collection officers and ensure adherence to collection protocols
- Analyze repayment trends and recommend proactive measures to reduce delinquency
Recovery Operations
- Lead recovery efforts for non-performing loans (NPLs) and write-offs
- Coordinate with legal teams and external recovery agents where necessary
- Negotiate repayment plans with clients and ensure compliance
- Maintain accurate records of recovery actions and outcomes
Portfolio Risk Management
- Track portfolio at risk (PAR) and provide regular reports to senior management
- Identify high-risk segments and recommend targeted interventions
- Collaborate with credit and underwriting teams to improve loan quality
Team Leadership & Capacity Building
- Train and mentor collection officers on best practices and ethical recovery methods
- Conduct regular performance reviews and field audits
- Foster a culture of accountability, integrity, and customer respect
Key Performance Indicators (KPIs)
- Portfolio at Risk (PAR) reduction
- Recovery rate on delinquent and written-off loans
- Collection efficiency ratio
- Compliance with internal and regulatory standards
Ideal Candidate Profile
Qualifications & Experience
- Bachelor’s degree in Finance, Business Administration, or related field
- Minimum 5 years’ experience in credit collections and recovery, preferably in microfinance or retail lending
- Strong understanding of credit risk, loan lifecycle, and customer behavior
- Proven leadership and team management skills
- Excellent negotiation, communication, and analytical abilities
- Familiarity with digital collection tools and MIS systems is a plus
- staff retention, and a culture of continuous growth.
Key Competencies
- Strategic Thinking: Ability to design and execute effective collection and recovery strategies aligned with organizational goals.
- Analytical Skills: Strong capability to analyse portfolio performance, repayment behaviour, and risk trends to inform decision-making.
- Leadership & People Management: Proven ability to inspire, mentor, and manage diverse teams to achieve results.
- Negotiation & Conflict Resolution: Skilled in handling sensitive client discussions, negotiating repayment plans, and maintaining professionalism.
- Regulatory & Compliance Knowledge: Sound understanding of microfinance regulations, ethical collection practices, and risk management principles.
- Results Orientation: Focused on achieving KPIs including PAR reduction, recovery targets, and efficiency improvements.
- Communication & Interpersonal Skills: Excellent verbal and written communication with the ability to engage clients, staff, and senior management effectively.
- Adaptability & Innovation: Ability to embrace digital tools, innovate recovery processes, and respond proactively to market and client dynamics.
- Integrity & Customer-Centric Approach: Demonstrates ethical standards, respect for clients, and commitment to protecting the organization’s reputation.
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The Head of People & Culture is responsible for all aspects of the human resource function within the VisionFund Kenya Office. Reporting to the Chief Executive Officer, the position is responsible primarily for P&C Strategy, staffing, recruiting, retention, performance management, employee relations, compensation, compliance, individual development and succession planning. The incumbent ensures that HR initiatives are aligned with VFK’s mission, values and long-term business strategy, and that they support the evolving HR needs of the business. The overall objective of the position is to support the development and retention of a high-performance work force and a learning culture
Key Responsibilities
(20%) P&C strategy - Ensure that P&C Strategy is developed & implemented in all areas of the organization and in compliance with VF Kenya & VFI standards.
- Provides strategic People support and advice on Human Resources issues
- Updates the employee handbook on a per need basis, and ensures that all revision and addition to the policies are written in the employee handbook; Informs all concerned staff the changes entered into the employee handbook;
- Ensures that good insurance covers for staff are in place that will be of benefit to the organization
- All Policies are updated as required quarterly present to board P & C matter
- Recommend employees recognition activities to honour individual milestones and achievements
(10%) Manpower planning & Budgets
- Contributes and advises in senior management strategic planning, with particular responsibility for HR needs, policies and procedures;
- Prepares and submits annual budget and plan for the approval of the SMT
- Aligns with SMT on manpower planning
(15%) Recruitment and Onboarding
- Develops letters of appointment, transfer, promotion, and the like; and sends to the concerned staff after approval;
- Conducts “due diligence” or the “fit and proper” test to assess the job applicant’s background and character;
- Ensures that VF Kenya maintains a standardized and systematic hiring and recruitment process; develops or updates hiring policies and procedures most appropriate to individual positions;
- Coordinates all recruitment for VF Kenya: reviews staff requisitions, supervises the hiring and contractual process, and arranges for the new employee’s orientation with the immediate supervisor
(10%) Compensation & Rewards
- Reviews the benefits scheme (compensation, incentives, and other benefits) on an annual basis; ensures that it is properly administered in accordance with the employee handbook, and if necessary, recommends to the CEO the renewal of the scheme;
- Conducts consultations with department heads to determine performance indicators and benchmarks per position;
Periodically carries out salaries and benefits surveys for the review process in order to develop and maintain a competitive compensation package and incentive schemes for staff.
(25%) Performance management & Engagement
- Implement and monitor staff performance appraisals is done on a regular basis; in workday
- Reviews the performance appraisal & calibration effectiveness in workday
- Investigates all disciplinary and grievance cases with the respective staff, provides guidance, and corrective action through counseling, training, or instituting disciplinary procedures;
- In consultation with the senior management, develops performance indicators and standards for incentives
- Branch efficiency & Effectiveness
Annual safeguarding assessment & Reporting
(5%) Capability & competency management
- Conducts periodic staff training needs and plans for capacity building- training and staff development;
- Coordinates and develops the staff development strategy to make sure that the staff continues to achieve professional growth within VF Kenya
- Ensures 100% completion of mandatory annual training
Monthly & quarterly reporting
(10%) Employee relations & Change agent
- Staff engagement through annual Voice survey
- Support leave management
- Advisor P&C whistle-blower Committee on policies & regulations governing staff disciplinary
- Coordinates grievance hearing between the staff and the committees
- Staff orientation on MIP / annual BPS
Ethics Points IIM investigations
5% Any other Duties assigned or delegated
- And any other duties that may be assigned from time to time by CEO
- Visit to the Field operations quarterly or on need basis
Ideal Candidate Profile
Required Preferred Knowledge and Qualifications Education,
- Master/Postgraduate Diploma in Human Resources Management or related field.
- Bachelors’ Degree in HR, Social Science, Psychology or related field
- 5 years’ experience in human resource management in progressively responsible roles, with sound cross-functional experience.
- Managing people Professionally
- Experienced in using various human resource information systems
- Understanding in national labor law, employment legislation & employment practices.
- Excellent interpersonal, communications, customer service, consulting, coaching and organizational skills, with a track record of driving change and innovation.
- Strong problem solver with strong business skills and strategic acumen, analytical skills, and excellent team-building skills.
- Both strategic and tactical: able to lead in a ‘role up your sleeves’ manner that is perceived to be people-centric and effective.
- Basic financial skills
Culturally astute, respectful and tolerant, able to promote and support diversity in the workplace, and able to gain the trust and respect of peers.
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