Credit Manager (Maternity Reliever) at Umba

  • Full Time
  • Nairobi

Umba

Umba is recruiting a Credit Manager (Maternity Reliever) to lead credit and collections operations across the organization. This full-time Administration Jobs position in Kenya offers the opportunity to manage loan portfolios, oversee team performance, and drive risk mitigation strategies on a rolling basis.

📋 Job Overview

Credit Manager (Maternity Reliever) at Umba – Umba Kenya Job Details

Responsibilities
Team Leadership & Performance Management

  • Provide strong leadership, guidance, and mentorship to the credit and collections teams, including training and performance management.
  • Set clear performance targets for both credit underwriting and collections, and ensure the team consistently meets or exceeds them.
  • Foster a high-performance culture that promotes accountability, teamwork, and continuous improvement.

Credit & Collections Operations Management

  • Oversee the end-to-end credit lifecycle, including loan application review, credit evaluation, approval, disbursement, and post-disbursement monitoring.
  • Develop and implement efficient credit and collections policies, procedures, and workflows to enhance operational effectiveness.
  • Strengthen collections strategies, ensuring timely follow-ups, debt recovery, and resolution of delinquent accounts.
  • Collaborate closely with sales and other departments to ensure seamless operations and a positive customer experience.

Risk Assessment, Portfolio Monitoring & Mitigation

  • Assess the creditworthiness of applicants through detailed analysis of financial information, credit reports, and supporting documentation.
  • Make informed credit decisions while balancing Business growth and risk.
  • Monitor portfolio performance, including arrears, delinquency trends, and recovery rates.
  • Implement proactive risk mitigation and collections strategies to minimize defaults and optimize portfolio quality.

Compliance & Regulatory Adherence

  • Ensure all credit and collections activities comply with applicable laws, regulations, and industry best practices.
  • Maintain adherence to internal policies as well as AML and KYC requirements.
  • Work closely with compliance teams to uphold data integrity and proper documentation standards.

Reporting, Insights & Continuous Improvement

  • Prepare and present regular reports on credit and collections performance, including key metrics such as approval rates, portfolio quality, and recovery rates.
  • Analyze data to identify trends, gaps, and opportunities for improvement.
  • Provide actionable insights and recommendations to enhance credit processes, strengthen collections, and improve overall portfolio profitability.

🎯 How to Apply

To apply for this job please visit umba.applytojob.com.

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