Background

Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire qualified, versatile, and self-driven individuals for the positions stated below:

Business Support & Recoveries Officer

Department: Products

Reports To: Manager Digital Lending

Direct Reports:

• Direct - None
• Indirect - None

Interacts/Interfaces with:

• Internal - Segment Heads
• - Credit Team
• - Operations Teams
• - Business Technology Teams
• - Customer Experience Teams
• - Finance Teams
• - Risk, compliance and Legal teams
• - Branch Teams
• External - Lending Partners
• - Credit reference bureaus
• - Debt collectors

Job Purpose:

• To provide operational support and oversight for the Digital Lending portfolio by ensuring accurate reconciliations, revenue assurance, product validation, repayment and recovery monitoring, portfolio performance tracking, and operational reporting.
• The role is responsible for maintaining the integrity of digital lending processes, safeguarding revenues, identifying operational gaps, and supporting the achievement of portfolio quality and business performance objectives.

Key Result Areas:

• Perform daily, weekly, and monthly reconciliation of digital lending transactions, loan disbursements, repayments, settlements, and partner accounts.
• Drive revenue assurance activities by identifying, investigating, and resolving revenue leakages, billing discrepancies, and partner settlement variances.
• Conduct product validation and testing for new digital lending products, system enhancements, pricing changes, and process improvements before deployment.
• Track and report portfolio performance indicators including PAR, NPL, collection efficiency, recovery rates, disbursements, and revenue performance.
• Prepare and disseminate operational, financial, and management reports to support decision-making and business reviews.
• Coordinate with Finance, Operations, Credit, Technology, Risk, and external partners to ensure smooth end-to-end digital lending operations.
• Support UAT activities, product rollouts, and post-implementation reviews for digital lending initiatives.
• Monitor partner performance and service levels against agreed KPIs and commercial agreements.
• Maintain accurate records and documentation for audits, regulatory reviews, and internal controls.
• Identify opportunities for process automation and operational efficiency within the digital lending value chain.
• Ensure compliance with internal policies, regulatory requirements, and partner contractual obligations.
• Support recovery agencies and internal stakeholders in implementing recovery strategies aimed at improving collections performance.

Financial Responsibility:

Support revenue assurance and portfolio profitability by ensuring accurate reconciliation of digital lending transactions, monitoring partner settlements, commission calculations, and lending revenues, while proactively identifying, investigating, and resolving financial discrepancies, operational losses, control gaps, and exceptions to safeguard revenue integrity and business performance.

Person Specification

Education & Training:

• A Business degree in Finance, Commerce, Business Administration, Economics, Statistics, Management or any relevant field.

Skills & Experience:

• Minimum of 3 years’ experience in banking or fintech
• Strong reconciliation and revenue assurance experience.
• Advanced Excel skills include Pivot Tables, Power Query, and dashboard reporting.
• Experience in digital lending operations, fintech, mobile money, or banking operations.
• Strong analytical and problem-solving skills with attention to detail.
• Experience in product testing, UAT coordination, and operational process validation.
• Knowledge of loan management systems, payment integrations, and partner settlement processes.

Business Behaviours:

• The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
• Ability to build functioning working relationships across organizational, corporate, and cultural boundaries.
• Takes clear accountability and focuses on delivery of agreed upon goals.
• Ability to hold people accountable.
• High self-drive towards getting things done.
• Ability to demonstrate positive image and role model to HFB’s values and leadership behaviours.
• Must be a person of impeccable integrity.

• Perform daily, weekly, and monthly reconciliation of digital lending transactions, loan disbursements, repayments, settlements, and partner accounts.
• Drive revenue assurance activities by identifying, investigating, and resolving revenue leakages, billing discrepancies, and partner settlement variances.
• Conduct product validation and testing for new digital lending products, system enhancements, pricing changes, and process improvements before deployment.
• Track and report portfolio performance indicators including PAR, NPL, collection efficiency, recovery rates, disbursements, and revenue performance.
• Prepare and disseminate operational, financial, and management reports to support decision-making and business reviews.
• Coordinate with Finance, Operations, Credit, Technology, Risk, and external partners to ensure smooth end-to-end digital lending operations.
• Support UAT activities, product rollouts, and post-implementation reviews for digital lending initiatives.
• Monitor partner performance and service levels against agreed KPIs and commercial agreements.
• Maintain accurate records and documentation for audits, regulatory reviews, and internal controls.
• Identify opportunities for process automation and operational efficiency within the digital lending value chain.
• Ensure compliance with internal policies, regulatory requirements, and partner contractual obligations.
• Support recovery agencies and internal stakeholders in implementing recovery strategies aimed at improving collections performance.

• Strong reconciliation and revenue assurance experience.
• Advanced Excel skills include Pivot Tables, Power Query, and dashboard reporting.
• Experience in digital lending operations, fintech, mobile money, or banking operations.
• Strong analytical and problem-solving skills with attention to detail.
• Experience in product testing, UAT coordination, and operational process validation.
• Knowledge of loan management systems, payment integrations, and partner settlement processes.
• The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
• Ability to build functioning working relationships across organizational, corporate, and cultural boundaries.
• Takes clear accountability and focuses on delivery of agreed upon goals.
• Ability to hold people accountable.
• High self-drive towards getting things done.
• Ability to demonstrate positive image and role model to HFB’s values and leadership behaviours.
• Must be a person of impeccable integrity.

• A Business degree in Finance, Commerce, Business Administration, Economics, Statistics, Management or any relevant field.