The Collections Check-off Manager is responsible for managing unsecured, employer-check-off loans by reconciling payroll deductions, engaging with HR departments, and negotiating with defaulting employees. The role ensures timely debt recovery, reduces portfolio delinquency, and maintains accurate financial records.
Duties & Responsibilities
Checkoff Remittance Tracking & Processing
Monitor receipt of monthly checkoff remittances from employers, county governments, or government departments.
Record and update remittance payments in the loan management system accurately and on time.
Verify that remitted amounts match employee deduction schedules and loan repayment plans.
Reconciliation
Assist in reconciling employer remittance schedules with actual payments received.
Identify shortfalls, overpayments, missing remittances, or misallocated funds.
Prepare lists of exceptions and follow up with employers to resolve discrepancies.
Employer Relations & Communication
Contact payroll officers to follow up on pending, delayed, or partial deductions.
Support communication on new loan uptake, updated deduction instructions, or loan clearance notices.
Provide courteous and professional support to employer partners to strengthen working relationships.
Client Account Updates & Support
Update client loan accounts after remittance posting and ensure repayment status is current.
Notify clients of remittance delays, arrears, or account irregularities when necessary.
Assist clients in understanding their repayment status and address basic account queries.
Compliance & Documentation
Prepare and maintain accurate records of deduction instructions, employer remittance schedules, and correspondence.
Ensure checkoff forms and payroll instructions are properly completed and filed.
Support compliance checks to confirm employer adherence to agreed deduction arrangements.
Reporting & Data Management
Help generate daily, weekly, and monthly reports on checkoff collections performance, arrears, and employer compliance.
Support data cleaning and updating in the loan management system (e.g., updating employer codes, staff lists, deduction categories).
Assist in preparing presentations or summaries for management review.
Administrative & Team Support
Support the collections team with filing, documentation, scanning, and general administrative tasks.
Participate in internal meetings and contribute insights on trends observed in remittances or employer behavior.
Assist in special projects such as digitalizing checkoff processes or improving collection efficiency.
Process Improvement & Learning
Suggest improvements in tracking, communication, or reconciliation workflows.
Learn and apply microfinance policies, loan products, and checkoff regulations relevant in Kenya.
Demonstrate continuous learning and commitment to supporting the institution’s financial sustainability.
Minimum Qualifications and Experience
Academic Qualifications
Degree or Diploma in Finance, Business Administration, Banking & Finance, or any related field.
Technical Skills
Basic understanding of banking loan products, credit management, or microfinance operations.
Strong numerical skills and high attention to detail.
Proficiency in MS Excel.
High data entry accuracy and ability to handle large volumes of data.
Soft Skills
Strong communication and interpersonal skills.
High levels of integrity, confidentiality, and professionalism.
Ability to work effectively under minimum supervision.
Problem-solving mindset and a willingness to learn.
How to Apply
Submit your updated CV and cover letter to careers@mwananchicredit.com. Only shortlisted candidates will be contacted.
How to Apply
Submit your updated CV and cover letter to careers@mwananchicredit.com. Shortlisted candidates will be contacted directly.
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