Credit and Recovery Supervisor

The overall role of the position is to drive sustainable loan portfolio growth while maintaining strong portfolio quality and disciplined recoveries. The Supervisor is a team leader with responsibility for supervising the Credit and Recovery team in client acquisition, credit appraisal, loan monitoring, and recovery activities. Supervisor: Chief Operations Officer Supervises: Credit and Recovery Officers Scope: The overall role of the position is to drive sustainable loan portfolio growth while maintaining strong portfolio quality and disciplined recoveries. The Supervisor is a team leader with responsibility for supervising the Credit and Recovery team in client acquisition, credit appraisal, loan monitoring, and recovery activities. Responsibilities 1. Portfolio Growth and Business Development • Ensure portfolio growth in line with annual, quarterly and monthly targets set by management. • Lead and participate directly in customer mobilization, prospecting and acquisition of new borrowers within approved target markets. • Personally manage an assigned portfolio or sales target and support Credit Officers in achieving individual disbursement and client acquisition targets. • Ensure diversification of the loan portfolio so that no single product, sector, or customer segment creates excessive concentration risk. • Review existing credit products to ensure continued relevance to Crane Capital’s mission of providing responsible credit to micro and small enterprises. • Identify opportunities for new or improved loan products and recommend appropriate product changes to management. • Continually review the geographical spread and reach of Crane Capital’s products and recommend viable areas for expansion. 2. Portfolio Quality and Recovery • Ensure Crane Capital’s Portfolio at Risk (PAR >30 days) remains below 10% or any lower target subsequently approved by management. • Monitor arrears daily and ensure immediate follow-up on missed instalments before accounts deteriorate into long-term default. • Review current credit and recovery procedures and recommend improvements that strengthen underwriting, monitoring and collections. • Improve credit methodologies and processes to direct lending toward lower-risk, high-impact and financially viable businesses. • Maintain and continually improve credit scoring and risk assessment tools. • Coordinate recovery of non-performing loans, including field visits, guarantor follow-up, restructuring recommendations and lawful recovery measures. • Ensure proper classification of delinquent accounts and timely provisioning/reporting in accordance with company policy and regulatory requirements. 3. Supervision, Controls and Reporting • Supervise, coach and provide field support to Credit Officers and Recovery Officers. • Set weekly and monthly work plans, allocate recovery cases and review individual staff performance against agreed targets. • Conduct regular portfolio review meetings and ensure agreed recovery actions are implemented. • Review loan files for completeness, compliance and quality before recommendation or escalation for approval. • Provide the COO with accurate weekly and monthly reports covering disbursements, outstanding portfolio, repayments, arrears, PAR, recoveries, active borrowers and key risks. • Ensure adherence to the Credit Policy, Recovery Policy, AML/KYC procedures, customer protection standards and all other applicable internal controls. • Undertake any other duties reasonably assigned by the COO. How to Apply:All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section

• The overall role of the position is to drive sustainable loan portfolio growth while maintaining strong portfolio quality and disciplined recoveries. The Supervisor is a team leader with responsibility for supervising the Credit and Recovery team in client acquisition, credit appraisal, loan monitoring, and recovery activities. • Portfolio Growth and Business Development • Ensure portfolio growth in line with annual, quarterly and monthly targets set by management. • Lead and participate directly in customer mobilization, prospecting and acquisition of new borrowers within approved target markets. • Personally manage an assigned portfolio or sales target and support Credit Officers in achieving individual disbursement and client acquisition targets. • Ensure diversification of the loan portfolio so that no single product, sector, or customer segment creates excessive concentration risk. • Review existing credit products to ensure continued relevance to Crane Capital’s mission of providing responsible credit to micro and small enterprises. • Identify opportunities for new or improved loan products and recommend appropriate product changes to management. • Continually review the geographical spread and reach of Crane Capital’s products and recommend viable areas for expansion. • Portfolio Quality and Recovery • Ensure Crane Capital’s Portfolio at Risk (PAR >30 days) remains below 10% or any lower target subsequently approved by management. • Monitor arrears daily and ensure immediate follow-up on missed instalments before accounts deteriorate into long-term default. • Review current credit and recovery procedures and recommend improvements that strengthen underwriting, monitoring and collections. • Improve credit methodologies and processes to direct lending toward lower-risk, high-impact and financially viable businesses. • Maintain and continually improve credit scoring and risk assessment tools.