About Katsu

1. Collections and Recovery Leadership

• Lead supervise and coordinate in-house collections teams (early mid and late-stage).
  
• Oversee field recovery activities including skip tracing customer visits and asset repossession (where applicable).
  
• Implement and refine recovery strategies to reduce PAR and NPL ratios.
  
• Manage outsourced recovery partners and ensure performance against agreed SLAs.
  

2. Portfolio Monitoring and Delinquency Management

• Conduct daily monitoring of overdue accounts and ensure timely follow-up by the collections team.
  
• Analyse repayment patterns identify root causes of defaults and recommend interventions.
  
• Develop and execute targeted action plans for high-risk or deteriorating accounts.
  
• Track and escalate critical delinquent accounts to the Credit Risk Manager or Legal team when required.
  

3. Process Improvement and Operations Controls

• Maintain accurate and up-to-date records of customer repayment status and recovery actions taken.
  
• Ensure recovery documentation including call logs visit reports and repayment promises is complete and compliant.
  
• Strengthen internal controls to prevent fraud misapplication of payments or operational lapses.
  
• Recommend improvements to credit and collections workflows to enhance efficiency and customer experience.
  

4. Stakeholder Engagement

• Work closely with the Credit Risk Manager to align recovery actions with risk appetite and credit policies.
  
• Collaborate with Loan Operations Sales and Field Agents to resolve account issues quickly.
  
• Liaise with Legal for escalated matters including recovery litigation demand notices repossessions and enforcement.
  
• Provide customer education on repayment obligations loan terms and restructuring processes.
  

5. Team Management and Performance Development

• Lead coach and develop collections officers and field recovery staff.
  
• Conduct weekly performance reviews and set clear productivity targets.
  
• Ensure recovery teams adhere to compliance customer protection guidelines and ethical conduct.
  
• Provide training on negotiation root-cause analysis and conflict management.
  

6. Reporting and Analytics

• Prepare accurate monthly and quarterly loan performance reports.
  
• Track and present key metrics including:
  

• PAR ratios (PAR)
  
• Roll rates
  
• NPL trends
  
• Collections efficiency
  
• Promise-to-pay (PTP) fulfillment
  

• Provide insights and recommendations to leadership to improve portfolio health
  

Requirements

• Bachelors degree in Finance Business Accounting Economics or related field.
  
• 10 years of experience in collections or loan recovery preferably in microfinance digital lending or retail/SME credit.
  
• Strong experience managing recovery teams and field operations.
  
• Working knowledge of Microfinance regulatory requirements and CBN guidelines.
  
• Experience handling legal escalations repossessions and third-party recovery agents.
  
• Evidence of achieving low delinquency and improved portfolio quality.
  
• Strong collections and negotiation skills.
  
• Deep understanding of credit risk and portfolio dynamics.
  
• Strong field recovery coordination and customer engagement experience.
  
• Ability to manage difficult customers professionally.
  
• Process-oriented and documentation-focused.
  

• Motivated by the mission of Katsu
  
• Pragmatic with quantitative and analytical ability and attention to detail
  
• Hands-on operator who understands microfinance customer behaviour
  
• Strong problem solver with ability to work under pressure
  
• Ethical firm and consistent
  
• Strong interpersonal skills and customer empathy
  
• Ability to motivate teams and maintain discipline.
  

• Prescreening with the Talent team
  
• Interviews and Case Assessments with the Hiring team.
  
• Follow up interviews with Katsu Leadership team.
  
• Hiring Decision
  

Benefits