Recovery Manager at ASA International (Rwanda) Plc: (
Deadline 15-08-2026)
Position title: Recovery Manager
Date: 05th August, 2026
Reporting to: Head of Risk and Compliance
Expected starting date: 20th August 2026
Employment Contract type: Open Ended
About the ASA International (Rwanda) Plc:
WHO WE ARE
ASA International (Rwanda) Plc (subsequently referred to as
“ASA Rwanda”) is a for-profit, deposit taking Microfinance Institution
licensed by National Bank of Rwanda and incorporated under The Companies Act,
No.103495622 in Rwanda in 2014 and started operations in 2016, currently
serving small business through Loans and savings in 37 branches across the
country. ASA Rwanda is a subsidiary of ASA International listed
on London Stock Exchange, one of the world’s largest international Microfinance
institutions in the world operating in 13 countries in Africa and Asia.
As a financial company and ASA international (Rwanda) plc is
mostly engaged to work for the low-income people of the country and as long as
there is a possibility of financial irregularities in the activities, the
company created a department/position to work to prevent any sorts of
misappropriation.
Vision: Reduce poverty by improving the lives of
the underprivileged with a key focus on female entrepreneurs.
Mission: We have a strong commitment to
financial inclusion and socioeconomic progress.
Objective: Providing Microfinance loans for
business purpose to low-income entrepreneurs with an objective of improving
financial inclusion and realize socioeconomic progress. Our loans provide an
alternative to low-income entrepreneurs without access to credit from
traditional banks. We provide these loans using the ASA Model.
JOB PROFILE
The Recovery Manager is a senior leadership role within the
Risk & Compliance Department, responsible for designing, implementing, and
overseeing all aspects of ASA Rwanda's loan recovery and delinquency management
framework. The role holder provides strategic direction to the Recovery function,
ensuring that Portfolio at Risk (PAR) is maintained within approved thresholds,
Non-Performing Loans (NPLs) are proactively managed, written-off loan
recoveries are maximized, and all collection activities are conducted in full
compliance with ASA Rwanda's Credit Policy, the National Bank of Rwanda (BNR)
regulatory requirements, and responsible lending and ethical debt collection
standards. The Recovery Manager leads a team of Recovery Officers and provides
cross-functional oversight of branch recovery activities, legal recovery
processes, and third-party debt collection agency performance, while
safeguarding customer dignity and institutional reputation.
KEY RESPONSIBILITIES AND ACCOUNTABILITIES
Recovery Strategy, Planning and Portfolio Management
- Develop,
implement, and monitor annual and quarterly recovery strategies and branch
recovery plans aligned with institutional objectives, portfolio quality
targets, and regulatory requirements.
- Monitor
portfolio quality using key indicators (PAR, NPL, recovery rates, write-off
recoveries) and analyse delinquency trends by branch, region, product, and
loan officer to identify risks and recommend corrective actions.
- Recommend
improvements to recovery strategies, credit policies, risk mitigation
measures, early warning frameworks, and portfolio management based on
data-driven analysis.
Recovery Operations and Legal Recovery Management
- Lead
and oversee all recovery activities across the loan lifecycle, including
early collections, delinquent accounts, negotiated settlements,
restructurings, field collections, legal recoveries, and written-off loan
recoveries.
- Coordinate
litigation, debt recovery proceedings, asset realization, fraud
recoveries, and enforcement actions with the Legal Department and external
service providers while ensuring compliance with approved recovery
procedures.
- Monitor
high-risk accounts and recovery cases, approve settlements within
delegated authority, and escalate complex cases where required.
Branch Recovery Supervision and Performance Management
- Provide
leadership, guidance, and operational oversight to branch recovery teams
through recovery planning, regular performance reviews, recovery meetings,
coaching, and field visits.
- Establish
and monitor recovery KPis for Recovery Officers, Branch Managers, and Loan
Officers, providing coaching, recommending incentives, and implementing
corrective actions to improve performance.
- Identify
staffing and capacity gaps and coordinate training and development
initiatives to strengthen recovery capabilities across the branch network.
Written-Off Loan Recovery and Third-Party Management
- Develop
and implement recovery strategies for written-off loans, fraud-related
losses, insurance recoveries, and other bad debts.
- Maintain
accurate written-off loan records, monitor recovery progress, reconcile
recoveries with Finance, and oversee the performance of Bad Debt
Collection Agencies (BDAs) against agreed targets and service standards.
- Recommend
appropriate actions for aged written-off accounts, including
restructuring, settlement, legal action, or closure where recovery is no
longer economically viable.
Recovery Governance, Reporting and Business Intelligence
- Lead
or participate in recovery, portfolio review, Credit Committee, and Risk
Committee meetings, presenting recovery performance, portfolio risks, and
recommended actions.
- Prepare
timely and accurate recovery reports, dashboards, portfolio analyses, and
management information with trend analysis and actionable recommendations.
- Leverage
data analytics and business intelligence tools to monitor recovery
performance, identify high-risk portfolio segments, strengthen collection
strategies, and support improvements to credit scoring and early warning
systems.
Responsible Collections and Stakeholder Management
- Ensure
all recovery activities are conducted ethically, professionally, and in
compliance with customer protection policies, regulatory requirements, and
approved collection practices.
- Resolve
customer complaints fairly while balancing recovery objectives with
customer retention through appropriate restructuring and repayment
solutions.
- Maintain
effective working relationships with internal departments, external
recovery partners, legal service providers, regulators, and other
stakeholders, representing the Recovery function in relevant initiatives
and policy reviews.
Staff Development and Capacity Building
- Lead
the recruitment, onboarding, mentoring, training, and performance
management of Recovery Officers and recovery support staff.
- Identify
competency gaps and deliver continuous development programs in recovery
techniques, negotiation, legal recovery procedures, and ethical debt
collection practices to build a high-performing recovery team.
QUALIFICATIONS AND EXPERIENCE
- Educational
and Professional Qualifications
- Bachelor's
Degree in Finance, Accounting, Economics, Business Administration,
Banking, Risk Management, Commerce, Statistics, Law, or Mathematics from a
recognized university.
- A
Master's Degree in a relevant field, such as Finance, Business
Administration, Risk Management, or a related discipline, will be
considered an added advantage.
- Possession
of one or more of the following professional qualifications will be
considered an added advantage:
Certified Risk Management Professional (CRMP), Certified
Credit Professional (CCP), Association of Chartered Certified Accountants
(ACCA), Certified Public Accountant (CPA Rwanda), Chartered Banker (CB),
Certified Fraud Examiner (CFE), Professional Legal or
Paralegal Qualification
Working Experience
- Minimum
5-7 years of relevant experience in banking, microfinance, or other
financial services institutions.
- Minimum
3 years of experience in loan recovery, collections, debt management, or a
related function.
- Minimum
2 years of experience in a supervisory or managerial role.
- Demonstrated
experience managing large and complex loan portfolios.
- Proven
experience coordinating legal recovery, litigation, and enforcement
processes.
- Proficiency
in core banking systems, Credit Reference Bureau (CRB) reporting, and
recovery reporting tools.
CORE COMPETENCIES
The ideal candidate should demonstrate:
- Strong
expertise in credit risk management, loan recovery, collections, and
portfolio management.
- Sound
knowledge of financial analysis, data analytics, reporting, and core
banking systems, including Credit Reference Bureau (CRB) reporting.
- Excellent
leadership, decision-making, and problem-solving skills, with the ability
to deliver results in a
- Strong
negotiation, communication, and stakeholder management skills, with the
ability to build and maintain effective relationships.
- High
levels of integrity, accountability, resilience, customer focus, and
attention to detail.
Job location
Kigali, Rwanda
Application process
Interested candidates should submit their resume
and cover letter to asarecruitment@asarwanda.rw with subject line
mentioning Recovery Manager. Submission of Application should
be before 15th August 2026 at 5:00 PM. Only shortlisted
candidates will be contacted for further evaluations. If you do not hear from
us in 2 weeks after the deadline, know that you are not meeting our
requirements.
ASA International Rwanda Plc is an equal opportunity
employer and welcomes applications from individuals of all backgrounds. We are
committed to diversity, inclusion, and creating a supportive work environment
where all employees can thrive.
Christian Salifou
Chief Executive Officer
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