Background information about the job or company (e.g., role context, company overview)

Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...

Responsibilities or duties

Principle Accountabilities

• Recruit, Lead, coach, and hold the collections team accountable for individual and collective PAR targets, fostering a culture of empathy, professionalism, and results — in line with the tenant-centred principles of the Affordable Housing Act, 2024.
• Monitor payment behaviour patterns across the portfolio to proactively identify tenants showing early signs of financial stress, maintain a live watchlist with documented risk profiles, and initiate preventive engagement before formal delinquency is recorded.
• Lead the team in reviewing accounts entering early arrears (bucket 1), ensuring structured outreach is initiated within 24–48 hours of a missed payment, and that every account has a clearly documented action plan and agreed repayment commitment by day 30.
• Manage 31–90-day accounts through structured tenant engagement clinics, negotiating and formalising repayment arrangements or restructuring agreements in compliance with internal credit policy and the Affordable Housing (Tenant Purchase Scheme) Regulations — ensuring all agreements are documented and properly approved.
• Develop and implement a clearly defined, approved recovery or exit strategy for every non-performing account, coordinating with external stakeholders — including the Affordable Housing Board, auctioneers, and legal counsel — and ensuring all actions are executed in compliance with the Affordable Housing Act, 2024 and applicable tenant protection laws.
• Maintain real-time oversight of the entire TPS portfolio across all delinquency buckets, using analytics dashboards to surface risk indicators, track bucket migration, identify emerging credit stress, and produce accurate daily, weekly, and monthly collection reports that inform timely management decisions.
• Build and maintain productive relationships with internal and external stakeholders — including the Affordable Housing Board, county housing authorities, legal advisors, and regulatory bodies — ensuring all collections activities are conducted in full compliance with the Affordable Housing Act, 2024, the Data Protection Act, 2019, and CBK prudential guidelines on credit risk management.

Principal Outcomes for this Role

• Healthy TPS Portfolio — PAR levels consistently within approved thresholds across all delinquency buckets.
• Documented Recovery Strategies — every delinquent account with a current, approved action plan on file.
• Accurate Collections Reports — error-free daily, weekly, and monthly portfolio performance reports delivered on time.
• High-Performing Collections Team — officers meeting individual targets, compliant with policy, and continuously developed.
• Regularised Tenant Accounts — delinquent accounts restored to performing status through structured engagement and approved repayment arrangements.

Qualifications or requirements (e.g., education, skills)

Key Competencies and Skills

Technical Competences

• Portfolio & Credit Risk Management: Ability to read, interpret, and act on PAR metrics, bucket migration trends, and credit stress indicators across a large portfolio.
• Collections Strategy & Structuring: Skilled in designing account-specific recovery strategies, repayment arrangements, and restructuring solutions that balance commercial and social outcomes.
• Regulatory & Legal Literacy: Working knowledge of the Affordable Housing Act, TPS Regulations, Data Protection Act, and relevant CBK guidelines governing collections conduct.
• Data Analytics & Reporting: Proficient in using collections dashboards, MIS tools, and Excel/data platforms to generate insights and produce accurate management reports.
• Financial Modelling & Appraisal: Ability to assess tenant repayment capacity, conduct cash flow analysis, and evaluate restructuring options with sound financial reasoning.

Behavioural Competences

• Leadership & Team Motivation: Inspires a team to perform at its best through clear direction, coaching, and a culture of accountability and continuous improvement.
• Stakeholder & Relationship Management: Builds trust-based relationships with tenants, regulators, legal partners, and internal teams — engaging with empathy without compromising on recovery outcomes.
• Resilience & Problem Solving: Maintains composure under pressure, navigates complex or sensitive tenant situations constructively, and finds workable solutions where others see obstacles.
• Communication & Negotiation: Communicates clearly and persuasively, both verbally and in writing, with the confidence to negotiate firm outcomes while preserving tenant dignity.
• Integrity & Ethical Conduct: Demonstrates uncompromising ethical standards in all collections interactions, safeguarding the organisation's reputation and the trust of its tenants.

Experience needed

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor’s degree in finance, Business Administration, Economics, Law, or a related field from a recognised institution.
• A professional qualification in Credit Management, Banking, or Accounting (e.g., AKIB, CPA, ACCA, or equivalent) is an added advantage.
• A postgraduate qualification or certified training in credit risk, debt recovery, or housing finance is desirable.

Experience

• Minimum of 5 years' experience in collections, credit risk, or loan recoveries within a financial institution, housing finance company, or development finance environment.
• At least 2 years in a supervisory or team lead capacity, with demonstrable ability to manage and motivate a collections team to achieve measurable results.
• Prior exposure to housing finance, mortgage lending, or tenant purchase schemes is strongly preferred.
• Working knowledge of the Affordable Housing Act, 2024, the Affordable Housing (Tenant Purchase Scheme) Regulations, and CBK credit risk guidelines is an added advantage.

• Recruit, Lead, coach, and hold the collections team accountable for individual and collective PAR targets, fostering a culture of empathy, professionalism, and results — in line with the tenant-centred principles of the Affordable Housing Act, 2024.
• Monitor payment behaviour patterns across the portfolio to proactively identify tenants showing early signs of financial stress, maintain a live watchlist with documented risk profiles, and initiate preventive engagement before formal delinquency is recorded.
• Lead the team in reviewing accounts entering early arrears (bucket 1), ensuring structured outreach is initiated within 24–48 hours of a missed payment, and that every account has a clearly documented action plan and agreed repayment commitment by day 30.
• Manage 31–90-day accounts through structured tenant engagement clinics, negotiating and formalising repayment arrangements or restructuring agreements in compliance with internal credit policy and the Affordable Housing (Tenant Purchase Scheme) Regulations — ensuring all agreements are documented and properly approved.
• Develop and implement a clearly defined, approved recovery or exit strategy for every non-performing account, coordinating with external stakeholders — including the Affordable Housing Board, auctioneers, and legal counsel — and ensuring all actions are executed in compliance with the Affordable Housing Act, 2024 and applicable tenant protection laws.
• Maintain real-time oversight of the entire TPS portfolio across all delinquency buckets, using analytics dashboards to surface risk indicators, track bucket migration, identify emerging credit stress, and produce accurate daily, weekly, and monthly collection reports that inform timely management decisions.
• Build and maintain productive relationships with internal and external stakeholders — including the Affordable Housing Board, county housing authorities, legal advisors, and regulatory bodies — ensuring all collections activities are conducted in full compliance with the Affordable Housing Act, 2024, the Data Protection Act, 2019, and CBK prudential guidelines on credit risk management.

• Portfolio & Credit Risk Management: Ability to read, interpret, and act on PAR metrics, bucket migration trends, and credit stress indicators across a large portfolio.
• Collections Strategy & Structuring: Skilled in designing account-specific recovery strategies, repayment arrangements, and restructuring solutions that balance commercial and social outcomes.
• Regulatory & Legal Literacy: Working knowledge of the Affordable Housing Act, TPS Regulations, Data Protection Act, and relevant CBK guidelines governing collections conduct.
• Data Analytics & Reporting: Proficient in using collections dashboards, MIS tools, and Excel/data platforms to generate insights and produce accurate management reports.
• Financial Modelling & Appraisal: Ability to assess tenant repayment capacity, conduct cash flow analysis, and evaluate restructuring options with sound financial reasoning.
• Leadership & Team Motivation: Inspires a team to perform at its best through clear direction, coaching, and a culture of accountability and continuous improvement.
• Stakeholder & Relationship Management: Builds trust-based relationships with tenants, regulators, legal partners, and internal teams — engaging with empathy without compromising on recovery outcomes.
• Resilience & Problem Solving: Maintains composure under pressure, navigates complex or sensitive tenant situations constructively, and finds workable solutions where others see obstacles.
• Communication & Negotiation: Communicates clearly and persuasively, both verbally and in writing, with the confidence to negotiate firm outcomes while preserving tenant dignity.
• Integrity & Ethical Conduct: Demonstrates uncompromising ethical standards in all collections interactions, safeguarding the organisation's reputation and the trust of its tenants.

• Bachelor’s degree in finance, Business Administration, Economics, Law, or a related field from a recognised institution.
• A professional qualification in Credit Management, Banking, or Accounting (e.g., AKIB, CPA, ACCA, or equivalent) is an added advantage.
• A postgraduate qualification or certified training in credit risk, debt recovery, or housing finance is desirable.