Retail

Area Managers

Human Capital Outsourcing Limited·All, kenya·Full Time·Internship
RetailFull TimeInternship
-Closes Nov 15, 2026

Responsibilities

  • Area Business Performance: Drive the achievement of business targets across assigned branches, including disbursements, revenue, customer acquisition and portfolio growth.
  • Branch Supervision: Provide direct operational oversight to Branch Managers, ensuring effective execution of business plans and adherence to company standards.
  • Collections Management: Monitor daily and monthly collections performance, drive arrears recovery initiatives and ensure timely repayment of outstanding customer balances.
  • Portfolio Quality: Monitor PAR, overdue accounts, loan ageing and repayment trends, implementing corrective measures to minimise credit losses.
  • Customer Acquisition: Drive new customer acquisition, repeat borrowing, customer retention and increased utilisation of revolving credit facilities.
  • Target Monitoring: Track branch performance against agreed KPIs, identify performance gaps and ensure timely implementation of recovery action plans.
  • Credit Administration: Ensure proper loan appraisal, customer verification, credit assessment, approvals and adherence to established lending procedures.
  • Field Operations: Conduct regular branch visits, accompany teams on field activities and evaluate customer acquisition, credit monitoring and collections effectiveness.
  • Team Leadership: Supervise, motivate, coach and develop Branch Managers and their teams to enhance productivity, ownership and accountability.
  • Operational Compliance: Ensure adherence to company policies, internal controls, cash management procedures, credit policies and regulatory requirements.
  • Customer Experience: Address escalated customer complaints, service delivery challenges and operational concerns to enhance customer satisfaction and retention.
  • Performance Reporting: Prepare and submit accurate area performance reports, highlighting achievements, challenges, portfolio trends and recommended interventions.

Skills & Requirements

  • Bachelor's degree or Diploma in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.
  • Professional training or certification in Credit Management, Microfinance, Banking or Business Management will be an added advantage.
  • At least 3 - 5 years of relevant experience in microfinance, microcredit, banking, lending or financial services.
  • At least 2 years of experience in a supervisory or management role overseeing branch operations, teams or multiple business units.
  • Demonstrated experience in loan portfolio management, credit administration and collections.
  • Practical understanding of revolving credit products and customer lending cycles will be an added advantage.
  • Branch and territory management.
  • Business development and sales leadership.
  • Credit and collections management.
  • Portfolio monitoring and risk control.
  • Performance monitoring and reporting.
  • Team supervision and coaching.
  • Problem-solving and decision-making.
  • Customer relationship management.
  • Negotiation and communication skills.
  • High integrity and results orientation.

Key skills

BA/BSc/HNDDiplomaProfessional Certificate

At a glance

Company

Human Capital Outsourcing Limited

Location

All, kenya

Employment

Full Time

Experience

Valid until

November 15, 2026

Created

November 2, 2026

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