About This Role
This role is about leading the financial health of a micro-credit institution by managing the delicate balance between lending and recovery. It suits a seasoned finance professional who is comfortable with both strategic planning and hands-on team management in a decentralized branch network. At Digaf, a specialized micro-credit provider, the position demands someone who can protect the portfolio while maintaining client relationships in a high-volume, low-margin lending environment.
What the Requirements Say About This Role
The emphasis on portfolio-at-risk (PAR) and non-performing loan (NPL) indicators signals that the employer needs someone who can translate raw data into actionable collection strategies. Rather than simply listing "5-8 years experience," this role implies a leader who has personally navigated delinquency cycles and can train branch-level staff in proactive recovery. The mention of "soft and hard collections" suggests the ideal candidate understands cultural sensitivities around debt recovery in Ethiopia, balancing empathy with firmness.
How to Approach This Application
In your application, focus on specific examples of how you have reduced PAR or improved collection efficiency in a previous role—preferably within microfinance or banking. Employers in this sector prioritize candidates who can demonstrate a clear methodology for segmenting delinquent accounts (early vs. late stage) and who have experience leading teams across multiple locations. Avoid generic claims; instead, mention particular thresholds (e.g., "cut 30-day PAR from 8% to 4% within six months") to stand out.
Who This Role Suits
This role is best suited for a mid-career credit or risk manager with direct experience in microfinance institutions, where recovery rates directly impact profitability. It is moderately competitive, as specialized micro-credit roles in Addis Ababa attract candidates from both banking and NGO microfinance programs.
A. Credit Control Strategy & Leadership
- Develop and implement effective credit control and collection strategies
- Set clear targets for recovery, PAR (Portfolio at Risk), and NPL reduction
- Lead, supervise, and motivate the credit control team across all branches
- Ensure alignment of credit control activities with company objectives
B. Portfolio Monitoring & Delinquency Management
- Monitor daily loan portfolio performance across all branches
- Track key indicators such as:
- PAR (1, 7, 30 days)
- NPL ratio
- Collection efficiency
- Identify early warning signals and take proactive action
- Ensure proper segmentation of delinquent accounts (early, mid, late stage)
C. Collections & Recovery Management
- Oversee all collection activities (soft and hard collections)
- Ensure timely follow-up on overdue accounts
- Approve and monitor repayment plans and restructuring cases
- Manage recovery actions including field visits and legal follow-ups
- Maximize recovery while maintaining customer relationships
D. Legal & Escalation Coordination
- Coordinate closely with legal team on default and write-off cases
- Ensure proper documentation for legal recovery actions
- Monitor progress of legal cases and enforce accountability
- Approve escalation of high-risk or chronic defaulters
E. Process Control & Compliance
- Ensure adherence to credit policies and collection procedures
- Strengthen internal controls to prevent fraud and process gaps
- Review and improve collection workflows and SOPs
- Ensure compliance with regulatory and internal standards
F. Reporting & Performance Management
- Prepare daily, weekly, and monthly reports on:
- Collections performance
- Delinquency trends
- Recovery rates
- Analyze portfolio performance and recommend corrective actions
- Track team productivity and performance against targets
- Present insights and action plans to senior management
G. Team Management & Capacity Building
- Supervise and coach credit control officers and senior staff
- Set individual KPIs and monitor performance
- Provide ongoing training on:
- Collection techniques
- Negotiation skills
- Customer handling
- Build a high-performance, accountable team culture
H. Customer Handling & Retention
- Ensure professional handling of delinquent customers
- Balance recovery efforts with customer retention strategies
- Handle escalated or sensitive customer cases when required
Education
- Bachelor’s degree in:
- Finance, Accounting, Business Administration, Economics or related field
Experience
- 5–7+ years in:
- Credit control / collections / loan recovery
- Banking, MFI, or fintech
- At least 2–3 years in a supervisory or managerial role
How To Apply
Interested and qualified applicants are invited to submit their CV and application letter via EthioJobs or send directly to: hr.admin@digafcredit.com
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