Senior Collections & Recovery Manager

The Collections and Recoveries Manager is responsible for overseeing the efficient and compliant recovery of outstanding debts while maintaining strong customer relationships. This role involves strategizing collection approaches, monitoring performance metrics, and ensuring adherence to regulatory guidelines. The manager will lead a team of collectors, provide training and support, and implement process improvements to enhance recovery rates. Additionally, they will analyze delinquency trends, prepare reports for senior management, and collaborate with cross-functional departments to mitigate risk and optimize cash flow. KCB Bank seeks a dynamic and skilled professional to join our team as a [Job Title]. The ideal candidate will possess a minimum of [X] years of relevant experience in [specific field or industry, e.g., banking, finance, customer service], along with a proven track record of [specific skills or achievements, e.g., managing client relationships, driving sales growth, or implementing digital solutions]. A strong academic background in [relevant degree or certification, e.g., finance, business administration, or risk management] is required, complemented by advanced proficiency in [specific tools, software, or systems, e.g., CRM platforms, financial modeling, or regulatory compliance]. Fluency in [relevant languages, if applicable] and exceptional interpersonal skills are essential to foster collaboration and deliver outstanding service. The successful applicant will be responsible for [key responsibility 1], [key responsibility 2], and [key responsibility 3], while ensuring adherence to [company policies, industry standards, or regulatory frameworks]. This role offers an opportunity to contribute to KCB Bank’s mission of [briefly mention the bank’s mission or values, e.g., “empowering communities through innovative financial solutions”] and drive sustainable growth in a fast-paced, customer-centric environment. We are seeking a highly motivated professional to join our dynamic banking team, where you will play a pivotal role in delivering exceptional financial services to our valued clients. In this position, you will be responsible for managing client accounts, processing transactions, and ensuring compliance with regulatory standards. Additionally, you will collaborate with colleagues to identify opportunities for financial growth and provide personalized solutions to meet client needs. The ideal candidate will possess strong analytical skills, a deep understanding of banking operations, and the ability to thrive in a fast-paced environment. Proficiency in financial software and a commitment to maintaining the highest ethical standards are essential for success in this role. We are seeking a dynamic professional to oversee management, accounting, and finance functions, as well as business operations. The ideal candidate will possess strong analytical and strategic skills, with a proven ability to drive financial performance and operational efficiency. Responsibilities include preparing financial statements, analyzing budgets, managing internal controls, and optimizing business processes. Proficiency in accounting software, advanced Excel skills, and a solid understanding of GAAP are essential. A bachelor’s degree in accounting, finance, or a related field is required, along with relevant certifications such as CPA or CMA being highly advantageous. Excellent communication and leadership abilities are also critical for success in this role. Description KCB Bank Uganda is currently seeking a Collections And Recoveries Manager, whose primary responsibilities will include overseeing and executing debt recovery strategies while ensuring compliance with established policies and regulations. The successful candidate will be tasked with managing delinquent accounts, coordinating with clients to negotiate repayment plans, and collaborating with internal teams to optimize recovery outcomes. Additionally, the role requires analyzing portfolio performance, identifying trends in arrears, and implementing proactive measures to minimize default risks. Strong leadership, analytical skills, and a customer-centric approach will be essential to drive efficient collections and recoveries while maintaining stakeholder relationships. Oversee and manage the full spectrum of daily operations within the designated department, ensuring seamless workflows and adherence to established protocols. Execute strategic initiatives in alignment with organizational objectives, while maintaining rigorous oversight of performance metrics to drive continuous improvement. Collaborate with cross-functional teams to foster innovation, streamline processes, and uphold compliance with industry regulations and internal policies. Provide leadership and mentorship to team members, cultivating a high-performance culture through clear communication, goal-setting, and professional development opportunities. Serve as a primary liaison with senior management, delivering timely reports and insights to support data-driven decision-making and strategic planning. Managing loans with elevated credit risk, designated as Early Alert, Watch, Substandard, Doubtful, or Loss, involves implementing strategies to reduce credit losses, enhance recovery efforts, and maintain alignment with established performance targets. Oversee designated budget allocations while maintaining sufficient provisioning across all accounts, ensuring compliance with established credit policies. Conduct on-site visits to clients, Centers, and Branches—either independently or alongside the Manager or Senior Manager—to thoroughly assess the operational challenges faced by distressed clients and gain deeper insights into their business dynamics. We are tasked with compiling regular reports on credit classification, provisioning, write-offs, interest suspension, provisions, and write-backs, ensuring full compliance with Bank of Uganda regulations, internal bank policies, and applicable guidelines governing remedial and special assets.

Conduct periodic reviews of a sample of credit decisions rendered by credit authority holders within the unit. Attend to all audit requirements, addressing any audit remarks and ensuring timely rectification of issues related to the Credit Support Unit. Ensure strict adherence to Turnaround Time (TAT) and other service level agreements by regularly reviewing performance metrics and conducting thorough compliance checks. Identify any deviations promptly and implement corrective measures to maintain high service standards and meet contractual obligations consistently. We assist in developing new policies and manuals while systematically refining and enhancing existing credit policies and manuals to ensure ongoing relevance and efficiency.

• Develop and oversee exposure and recovery strategies, action plans, and their execution to achieve prompt closure, ensuring recovery costs remain within established budgetary constraints. Offer assistance to the business unit in overseeing non-performing debts.

Localisation

• Ensure Boards are prepared in accordance with the designated docket. Responsibilities include overseeing loans with elevated credit exposure, classified as Early Alert, Watch, Substandard, Doubtful, or Loss, to reduce credit losses, enhance recovery outcomes, and ensure compliance with established performance benchmarks. Ensure strict adherence to the designated budgetary allocations while maintaining sufficient provisioning across all accounts, in full compliance with established credit policies. As part of the assessment of struggling clients’ operations, conduct on-site visits—either independently or alongside the Manager or Supervisor—to gain deeper insight into their business challenges.

Responsabilités

• Generate periodic reports on credit classification, provisioning, write-offs, interest suspension, and provision reversals, ensuring compliance with Bank of Uganda regulations, internal bank policies, and guidelines governing remedial and special assets. On a regular basis, evaluate a selection of credit decisions rendered by authorized credit personnel within the department. Attend to audit requirements, address audit remarks, and ensure their rectification for the Credit Support Unit. Ensure adherence to turnaround time (TAT) and other service level agreements at all times. We assist in developing new policies and manuals while systematically enhancing and refining existing credit policies and associated documentation. Develop exposure and recovery strategies alongside action plans, overseeing their implementation to achieve expedited closure while ensuring recovery costs remain within allocated budget constraints. Offer assistance to the business unit in the oversight and administration of overdue or delinquent accounts. Prepare the Board(s) according to the prescribed docket. A bachelor’s degree is required for this position, preferably in a relevant field such as [specify field if applicable]. Candidates must meet the educational qualifications necessary to perform the duties outlined in this role effectively. Additionally, a minimum GPA or specific coursework may be required, depending on the position’s demands. This degree serves as a foundational requirement to ensure that applicants possess the theoretical knowledge and critical thinking skills essential for success in the role.

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