• Thoroughly review the delinquent portfolio to identify causes of default and recommend timely remedial action. • Classify existing and future delinquent accounts into Watch, Substandard, Loss, and Written-off categories to provide suitable remedial actions. • Identify, review, and assign loan accounts to external debt collectors upon approval, monitoring closure by court bailiffs. • Manage the Portfolio at Risk (PAR) for top big loans in your division, ensuring it remains within institutional acceptable levels. • Provide proactive initiatives to minimize loans classified under the Loss category, impacting Net Book Value (NBV). • Initiate recovery proceedings for non-performing accounts in coordination with the Manager Loan Collections, Legal Department, and external debt collectors. • Plan and coordinate with branch management to implement recovery of written-off and non-performing loans per bank policies and guidelines. • Prepare and submit timely reports with clear recommendations on all cases under your supervision to the Manager Loan Collection or Division Manager. • Mentor, coach, and build capacity of field staff on best practices in recovery and management of delinquent loans. • Negotiate with debtors to ensure repayment at the lowest cost to the bank. • Onboard and manage the performance of external debt collectors, ensuring timely submission of monthly status reports. • Ensure branches conduct regular delinquency meetings to discuss non-performing loans and provide timely remedial actions. • Oversee credit-related cases against the bank, including those handled by external lawyers in litigation. • Monitor all cases managed by external lawyers and provide timely status reports to your supervisor. • Manage contracts with debt collection service providers (e.g., auctioneers, bailiffs, valuers, insurers, lawyers) and ensure timely renewals. • Supervise sales of pledged assets, ensuring all default amounts plus costs are paid, and any remaining balances are returned to the borrower. • Maintain a sound filing system for contracts, service level agreements, litigation cases, external debt collector cases, commission invoices, and other relevant documents. • Collaborate with the Division Manager to make timely decisions to prevent loans from entering the Loss category. • Profile high-risk satellites, top big defaulters, and written-off loans, ensuring timely recovery actions to normalize affected satellites.

• Bachelor’s degree or Diploma in Business-related courses. • Certificate in Law is an added advantage. • Knowledge, Skills & Competences • Legal knowledge and skills. • Analytical and investigation skills. • Knowledge and understanding of the Financial Institutions Act (FIA). • Excellent recovery skills. • Ability to work under pressure and overtime. • Teamwork-oriented with a willingness to guide and train others. • High level of integrity.

Interested candidates should email their application letter, Curriculum Vitae, and copies of relevant academic documents in ONE PDF FILE, mentioning the job title in the subject line, to recruitment.bracugandabankltd@brac.net no later than Friday, 15th August 2025. All applications should be addressed to the Head of Human Resources, BRAC Uganda Bank Ltd. Note: Only shortlisted candidates will be contacted.