Credit Repossession Manager at Koolboks

Koolboks is a sustainable cooling solutions startup that designs and distributes solar-powered refrigeration products — like freezers, chillers, and ice makers — especially for places with limited or unreliable electricity access, such as many communities and small businesses across Africa.

We are recruiting to fill the position below:

Job Title: Credit Repossession Manager 

Location: Kano
Employment Type: Full-time

Job Summary

• The Credit Repossession Manager is responsible for managing and overseeing the repossession of assets linked to delinquent credit accounts.
• This role ensures compliance with legal and regulatory requirements, minimizes financial losses, manages vendor relationships, and maintains professional customer engagement during the recovery process.
• The position plays a key role in reducing non-performing assets (NPAs) while protecting the organization’s reputation.

Key Responsibilities
Repossession Strategy & Execution:

• Develop and implement repossession strategies aligned with company credit risk policies.
• Monitor delinquent loan accounts and initiate repossession actions when necessary.
• Ensure timely recovery of secured assets (vehicles, equipment, property, etc.).
• Track repossession performance metrics and recovery rates.

Vendor & Field Agent Management:

• Appoint, train, and manage repossession agents and third-party vendors.
• Monitor field activities to ensure compliance with ethical and legal standards.
• Evaluate vendor performance and negotiate service-level agreements (SLAs).

Legal & Compliance Oversight:

• Ensure repossession activities comply with applicable laws and regulations.
• Coordinate with legal teams on litigation cases and disputed repossessions.
• Maintain documentation and audit trails for all repossession activities.
• Handle customer complaints related to asset seizure.

Risk Management & Reporting:

• Analyze portfolio delinquency trends and recommend risk mitigation measures.
• Prepare weekly/monthly repossession and recovery reports for senior management.
• Maintain data accuracy within credit and collections systems.

Customer & Stakeholder Management:

• Engage with delinquent customers to negotiate settlements or voluntary surrender of assets.
• Work closely with Credit, Collections, Legal, Operations, and Finance teams.
• Support customer resolution strategies to minimize escalation and reputational risk.

Key Performance Indicators (KPIs)

• Recovery rate on repossessed assets
• Turnaround time (TAT) for repossession cases
• Reduction in non-performing assets (NPAs)
• Compliance audit scores
• Vendor performance metrics.

Qualifications & Experience
Education:

• Bachelor’s degree in Finance, Business Administration, Law, or related field
• Professional certifications in Credit Risk or Collections (preferred).

Experience:

• 2-4 years of experience in credit risk, collections, or asset recovery
• 1 years in a supervisory or managerial role
• Experience managing third-party recovery vendors.

Skills & Competencies:

• Strong knowledge of credit risk management and repossession laws
• Negotiation and conflict resolution skills
• Analytical and reporting capabilities
• Leadership and team management
• High ethical standards and regulatory awareness
• Strong communication skills.

Salary
N200,000 - N300,000 / month.

Application Closing Date
21st February, 2026.

Method of Application
Interested and qualified candidates should send their detailed CV to: hr@koolboks.com using the Job Title as the subject of the email.