RESPONSIBILITIES Drive daily collection performance and ensure high loan repayment rates across all branches. Maintain a healthy loan portfolio by minimizing overdue loans, defaults, and portfolio-at-risk. Improve loan repayment performance through proactive supervision and effective recovery strategies. Drive growth in loan portfolio, active customers, and branch profitability while optimizing resource utilization. Ensure all branches comply with company policies, lending procedures, operational standards, and regulatory requirements. Lead, coach, and hold Regional Managers and Branch Managers accountable for performance and execution. Establish performance scorecards, conduct reviews, and ensure timely follow-up and interventions. Ensure seamless collaboration across Operations, Credit, Finance, HR, Compliance, IT, and Customer Service to achieve company objectives. QUALIFICATIONS Bachelor's degree in Business Administration, Finance, Economics, Management, or a related field. A Master's degree (MBA) is an added advantage. Minimum of 8 years' progressive leadership experience, with at least 5 years managing multi-branch operations in financial services, microfinance, or a related industry. Proven track record of improving operational performance, collections, portfolio quality, and branch profitability. Strong analytical skills with experience managing performance using data, KPIs, and scorecards. Exceptional leadership, coaching, and people management skills. Strong execution, follow-up, and problem- solving abilities. Decisive, disciplined, and able to make tough operational decisions. Excellent communication and interpersonal skills.