Finance Lead – Credit & Receivables at Gbovo Finance

Role Overview

The Finance Lead – Credit & Receivables will be responsible for managing the end-to-end credit lifecycle, from customer assessment and loan booking to collections and recovery. The role requires strong financial judgment, operational discipline and the ability to enforce credit control while supporting business growth.

Key Responsibilities

Credit & Underwriting

• Conduct detailed credit assessments on prospective customers
• Analyze bank statements, cashflows and financial behavior
• Identify risk indicators and make approval or decline recommendations
• Ensure all credit decisions align with internal policies and risk appetite

Receivables & Collections Management

• Oversee the company’s loan portfolio and receivables
• Monitor and report on Portfolio at Risk (PAR), defaults, and recovery rates
• Implement structured follow-up and escalation processes
• Manage delinquent accounts, including recovery actions and repossession where required

Sales Support & Control

• Partner with the sales team to enable growth while maintaining credit discipline
• Review and challenge deals that do not meet risk criteria
• Ensure proper documentation and compliance before disbursement

Reconciliation & Reporting

• Ensure accuracy of loan balances, repayments, and system records
• Perform periodic reconciliations of receivables and portfolio balances
• Prepare and present collections and portfolio performance reports to management
• Process & System Management
• Utilize loan management systems (e.g., Lendsqr) to track and manage portfolio performance
• Identify process gaps and implement improvements in credit and collections workflows

Requirements

• Bachelor’s degree in Accounting, Finance, or related field
• ACA / ACCA (completed or in advanced stage preferred)
• Minimum of 4–7 years’ experience, with at least 2–3 years in lending, fintech, microfinance, banking or asset finance

Strong experience in:

• Credit assessment and underwriting
• Receivables and collections management
• Loan portfolio monitoring

Core Competencies

Strong analytical and risk assessment skills

Solid understanding of:

• Cashflow analysis
• Portfolio at Risk (PAR)
• Default and recovery metrics
• High attention to detail and accuracy
• Strong follow-up and enforcement capability
• Ability to manage multiple accounts and priorities

Behavioral Attributes

• High level of ownership and accountability
• Firm and assertive, with the ability to make and enforce decisions
• Proactive and solution-oriented
• Resilient and comfortable handling difficult customer situations
• Able to balance growth with risk control

Nice to Have

• Experience in asset-backed lending (e.g., vehicle financing)
• Familiarity with repossession and recovery processes
• Experience in a startup or fast-paced environment
• Basic understanding of legal recovery frameworks

Success in This Role

Success will be measured by the ability to:

• Maintain a healthy loan portfolio
• Improve collection efficiency and recovery rates
• Enforce strong credit discipline across the business