We are a fast-growing fintech company expanding our Credit operations in Zambia.

Our mission is to build efficient, technology-driven lending products while maintaining strong portfolio quality and customer-centric recovery strategies.

We are looking for a Head of Collections who will lead, scale, and optimize end-to-end Collection processes, build a high-performing team, and ensure sustainable portfolio performance through data-driven strategies and operational excellence.

Key Responsibilities:

- Lead and manage end-to-end collections processes (early, soft, and hard collections);

- Monitor missed payments, cure rates, roll rates, and delinquency trends;

- Recruit, manage, and coach the Collections Team to achieve daily, weekly, and monthly KPIs;

- Oversee inbound and outbound call operations, scripts, tone, and quality standards;

- Develop, maintain, and continuously improve SOPs for DPD 1–30+ treatment flows;

- Handle complex client escalations and design realistic repayment solutions;

- Manage and optimise dialers, CRM systems, and automation tools;

- Prepare weekly collection reports, portfolio insights, and cash-flow forecasts;

- Analyse borrower behaviour and continuously improve collection strategies;

- Coordinate and control external tracing agencies or legal partners (if applicable);

- Ensure local regulatory compliance, proper documentation, call monitoring, and QA controls.

Requirements:

-3+ years of experience in Collections within microfinance, microlending, or digital lending;

- 1–2+ years in a leadership or supervisory role within Collections;

- Strong understanding of short-term and instalment-based repayment models;

- Solid analytical skills with the ability to translate data into operational actions;

- High level of ownership, discipline, and people leadership;

- Experience with CRM systems, dialers, or collection automation tools is a strong advantage;

- Understanding of local borrower behaviour and cultural specifics in Zambia is highly preferred;

- English — fluent (main working language).

What We Offer:

- Office-based role in Lusaka, Zambia;

- Competitive salary aligned with the local market + performance-based incentives;

- Opportunity to influence and build scalable collection operations;

- Direct impact on portfolio quality and business growth.

Why Join Us:

- Real ownership of the entire collections function;

- Ability to implement modern fintech tools and automation;

- Strong leadership visibility and growth opportunities;

- High-impact role in a rapidly developing lending market.

Join us and let’s conquer new heights together!

Please send your CVs to the email below