Senior Manager - Credit Recovery

Job Location: Gulshan-2, Dhaka, Bangladesh (On-site)

About SahajMobile

SahajMobile is dedicated to providing affordable access to cutting-edge smartphone technology for people across Bangladesh. We believe that everyone should have the opportunity to stay connected and participate fully in an increasingly digital world. By offering accessible mobile solutions, SahajMobile aims to reduce the digital divide and support greater social and economic inclusion.

Position Overview

We are looking for an experienced, results-driven Senior Manager – Credit Recovery with 5 to 7 years of hands-on experience in the FinTech industry to oversee and optimize our end-to-end credit recovery operations. In this role, you will develop and execute strategic recovery frameworks, monitor overdue accounts, and lead initiatives to minimize non-performing loans (NPLs).

You will lead and mentor a high-performing recovery team, analyze portfolio health, ensure regulatory and legal compliance, and collaborate closely with cross-functional departments to safeguard the organization's financial stability while upholding our brand values.

Key Responsibilities

Strategic Leadership & Operations:

• Oversee daily credit recovery operations, developing strategies to optimize collection processes and reduce default rates.
• Manage, mentor, and set performance benchmarks for the credit recovery team.
• Engage directly with high-value customers and external stakeholders to negotiate ethical repayment solutions while maintaining a positive brand reputation.
• Ensure strict adherence to internal credit policies, legal standards, and telecom/financial regulatory requirements in Bangladesh.

Reporting, Analysis & Portfolio Management:

• Maintain accurate records within the CRM/ERP system and generate daily, weekly, and monthly collection reports for executive leadership.
• Analyze client liquidity challenges and broader economic trends to forecast default risks and recommend proactive mitigation plans.
• Utilize analytical tools and metrics to monitor portfolio risk trends and guide data-driven decision-making.

Cross-Functional Coordination:

• Sales & CRM: Partner closely to ensure seamless down-payment tracking and ongoing customer management.
• Accounts & Finance: Coordinate regular payment reconciliations and strictly enforce financial protocols.
• Legal & Registration: Work collaboratively with legal and registration teams to guarantee 100% financial clearance for accounts.

• 5 to 7 years
• The applicants should have experience in the following business area(s): Banks, Investment/Merchant Banking, NGO, Real Estate, Financial Consultants, Micro-Credit, Financial Technology (Fintech) Startup

• Bachelor/Honors
• Masters

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field. A Master’s degree or professional certification in Credit/Risk Management is a strong advantage.

• Age 25 to 55 years
• Only Male

• Domain Expertise: Proven track record in Credit Management, Credit Recovery, and Credit Risk Management, preferably within the telecom, fintech, or financial sectors in Bangladesh.
• Regulatory Knowledge: In-depth understanding of credit policies, legal frameworks, and regulatory requirements specific to consumer credit and collections in Bangladesh.
• Analytical Skills: Advanced data analysis skills with a strong ability to interpret financial data, forecast portfolio performance, and identify default patterns.
• Leadership & Soft Skills: Demonstrated ability to manage teams, drive operational results, negotiate complex agreements, and handle conflict with an ethical, customer-centric approach.
• Technical Skills: Hands-on experience working with CRM and ERP systems for tracking, reconciliation, and reporting.
• Credit Recovery, Loan Recovery

Allowances: T/A and Mobile Bill Incentives: Performance Bonus Salary Review: Half yearly Festival Bonus: 2 per year (1-full base & half of base) Meal Facility: fully subsidized premium lunch

Interested candidates who meet the qualifications are encouraged to submit your CV and cover letter outlining their relevant experience through our official portal or email us directly to email.

Send your CV to the given email careers@sahajmobile.org