Senior Manager, Credit Collection

About MTN

At MTN RwandaCell, we are not just an organization; we are purpose-led and value-driven. Understanding our people’s needs and aspirations is the key to creating work experiences that delight you daily at work. Our commitment to fostering an environment where every member of our Y’ello Family is heard, understood and empowered to live an inspired life is what sets us apart.

Our values keep us grounded and moving in the right direction. Most importantly, they keep us honest. It is not something we claim to be it is in our DNA.

As an organization, we are on a mission to create an exciting and rewarding place to work. We want our people to be themselves, thrive in a positive environment, and ignite their full potential. We believe in building a workplace founded on relationships and achieving a purpose greater than our own. This is the experience we want you to have with us.

Our commitments go beyond an organizational promise. Our leadership and managerial ethos involve meaningfully partnering with our employees, customers, and stakeholders with a vision to realize our shared goals.

We are delighted you are considering us as your career partner to make a mark in the world. We look forward to your application. Therefore, we are hiring a highly skilled and self-motivated candidate for the COP & CEX department position below, both internally and externally.

Mission/Core purpose of the Job

• Responsible for leading the credit and collections function across MTN Rwanda, managing credit risk and maximizing recovery of receivables across postpaid, device financing and enterprise.
• Drives collection strategies, credit policy, provisioning and recovery performance to protect revenue, reduce bad debt and improve cash flow, while treating customers fairly.
• Partners with Finance, Commercial, Sales, Corporate Services and external agencies to embed effective, compliant credit and collections practices aligned to MTN R standards and regulatory requirements.

Key Performance Areas

• Credit & Collections Strategy: Define and execute credit-control and collections strategies across postpaid, device, enterprise and fintech portfolios.
• Credit Policy & Risk Management: Develop and maintain credit policies, limits, scoring and risk-assessment frameworks to manage exposure.
• Credit Vetting & Onboarding Controls: Oversee credit vetting, limit-setting and onboarding controls for new postpaid, device and lending customers.
• Collections Operations & Recovery: Lead end-to-end collections (early, late and recovery stages) to maximise recovery and minimise losses.
• Dunning & Treatment Strategy: Design and manage the dunning cycle, segmentation and treatment strategies across channels (SMS, call, field and legal).
• Field Collections Management: Coordinate field collections and customer visits where required, ensuring conduct and compliance standards.
• Restructuring & Payment Plans: Manage payment-plan, restructuring and settlement arrangements to support recovery and customer retention.
• Bad-Debt & Provisioning Management: Manage bad-debt provisioning, write-offs and impairment in line with policy and accounting standards (IFRS 9).
• Receivables & DSO Management: Monitor and reduce days-sales-outstanding and aged receivables across portfolios.
• Cash Application & Reconciliation: Oversee accurate cash allocation, account reconciliation and billing-dispute resolution to support clean collections.
• Monitor credit exposure and concentration risk by segment, product, and key accounts; recommend risk-mitigation actions such as deposits, revised payment terms, and credit limit adjustments.
• Approve or provide oversight for high-value credit decisions, including large enterprise, government, and wholesale accounts, and any significant restructurings or settlements.
• Early-Warning & Portfolio Monitoring: Establish early-warning indicators and portfolio monitoring to detect and act on emerging risk.
• Agency & Legal Recovery Management: Manage external collection agencies and legal/litigation recovery; ensure performance, compliance, SLAs and cost-effectiveness.
• Fraud & Leakage Prevention: Identify and address credit fraud, leakage and abuse in collaboration with Risk and Fraud teams.
• Reporting & Portfolio Analytics: Produce credit and collections reporting, forecasts and portfolio analytics for leadership and risk/audit committees.
• Oversee the processing of bad debt journals, refunds, and escalated accounts on hold.
• Conduct regular reviews of accounts receivable with the collections team, ensuring problem receivables are properly addressed and uncollected accounts are escalated appropriately.
• Drive strong integration between collections, credit risk, and commercial retention strategy treating the collections function as a revenue recovery and customer retention lever, not solely a debt recovery unit.
• Lead cross-functional initiatives to address structural drivers of late payment, high churn, and bad debt (e.g., product design, contract terms, billing accuracy, onboarding processes) and drive policy or process improvements.

• Ensure collections practices are ethical, fair, and consistent with MTN's customer-centric values, preserving long-term customer relationships and brand reputation.
• Maintain bad debt, credit note provisions, and write-offs within targets set by senior management.
• Negotiate extensions with clients or approve debt write-offs to minimize the company's potential loss of income.
• Monitor ageing of debtor’s books ensuring accuracy, reduced overdue amounts and collections levels maintained
• Compliance & Customer Fairness: Ensure collections comply with regulatory, consumer-protection and data-protection requirements and treat customers fairly.
• Systems & Automation: Optimize collections systems, dialers, workflow and scoring to improve efficiency and recovery.
• Cross-Functional Collaboration: Partner with Commercial, Sales, Customer Experience and Corporate Services to align credit, collections and customer outcomes.
• Leadership & People Management: Lead and develop the credit and collections team and agencies; build a performance-driven, ethical and accountable culture.
• Prepares and submits monthly credit and collections performance reports to finance leadership.

Experience

• 8+ years’ experience with 4+ years in credit, collections or receivable management leadership, preferably in telecoms, banking or services.
• Proven track record in reducing bad debt and DSO and improving recovery.

Education Background

• Bachelor’s degree in finance, Accounting, Economics, Business or related field. Professional qualification (ACCA, CPA, CFA) or a Master’s/MBA an advantage.
• Credit/risk certifications are advantageous.
• Fluent in English; Kinyarwanda an advantage.

How To Apply

All interested candidates are requested to apply through the MTN website and submit their updated curriculum vitae with copies of notified academic credentials no later than 04^th July 2026. MTN Website portal: https://careers.mtn.co.rw/career

We strongly encourage applications from women and/or individuals with disabilities.

Note: Should you not hear from us within 14 (fourteen) days from the closing date of this advertisement, you may consider your application unsuccessful. If you encounter any issues when completing the application, reach out to Alozius.Mutamba@mtn.com (+250788319965)

At MTN Rwandacell Plc, we are committed to safeguarding your data privacy. For more information, visit our website to read our job applicants privacy notice that explains how we collect, use, disclose, and protect your data at https://www.mtn.co.rw/privacy-notice-for-job-applicants/