Credit and Recovery Supervisor

• Ensure portfolio growth in line with annual, quarterly and monthly targets set by management
• Lead and participate directly in customer mobilization, prospecting and acquisition of new borrowers within approved target markets
• Personally manage an assigned portfolio or sales target and support Credit Officers in achieving individual disbursement and client acquisition targets
• Ensure diversification of the loan portfolio so no single product, sector or customer segment creates excessive concentration risk
• Review existing credit products for continued relevance and recommend new or improved loan products to management
• Keep Crane Capital's Portfolio at Risk (PAR >30 days) below 10% or any lower approved target; monitor arrears daily and follow up missed instalments immediately
• Review credit and recovery procedures and recommend improvements to underwriting, monitoring and collections; improve credit scoring and risk assessment tools
• Coordinate recovery of non-performing loans, including field visits, guarantor follow-up, restructuring recommendations and lawful recovery measures
• Ensure proper classification of delinquent accounts and timely provisioning and reporting per company policy and regulatory requirements
• Supervise, coach and provide field support to Credit Officers and Recovery Officers; set weekly and monthly work plans, allocate recovery cases and review staff performance
• Review loan files for completeness, compliance and quality before recommendation or escalation for approval
• Provide the COO with accurate weekly and monthly reports covering disbursements, outstanding portfolio, repayments, arrears, PAR, recoveries, active borrowers and key risks
• Ensure adherence to the Credit Policy, Recovery Policy, AML/KYC procedures, customer protection standards and all applicable internal controls

Qualifications & Experience:

• Team leadership experience in credit, microfinance or lending operations, with proven supervisory capability
• Sound working knowledge of credit appraisal, portfolio quality management and recovery practice

Skills & Competencies:

• Strong business development and customer acquisition skills
• Analytical ability in portfolio monitoring, arrears tracking and risk assessment
• High integrity and discipline in controls and compliance
• Coaching, performance management and reporting skills