Company: Oya Microcredit Ltd

Location: Various regions across the country (flexible placement)

Employment Type: Full-Time

Reports To: Operations Manager

Key Responsibilities

• Identify customers due for collection and ensure timely repayments

• Monitor client accounts and follow up on overdue payments through calls and field visits

• Evaluate the financial status of potential and existing clients

• Conduct risk assessments and prepare detailed reports

• Monitor the company loan portfolio and identify potential default risks

• Recommend and implement effective debt recovery solutions

• Negotiate repayment plans with clients in default

• Provide daily and weekly collection/payment schedules to clients and field officers

• Prepare weekly and monthly portfolio performance reports for management

• Support credit review meetings with accurate data and insights

• Track product performance through data analysis and reporting

• Follow up with internal teams to reconcile payments and ensure accurate transaction posting

• Send regular reminders to customers on repayment schedules

• Monitor defaulters to prevent repeated non-compliance

• Present repayment transaction records as required

• Provide reports to management as needed

• Perform any other duties assigned by supervisors

Qualifications and Requirements

• Bachelor’s degree in business administration, Finance, Economics, Accounting, or any related business field.

• 1–3 years’ experience in a similar role (e.g., portfolio or credit monitoring)

• Strong analytical and reporting skills

• Proficiency in statistical or data analysis tools

• Good communication and negotiation skills

• Willingness to conduct field visits for collections and client follow-ups