Finance Manager Job in The Gambia

Company: Bayba Financial Services
Location: The Gambia – Westfield, Brusubi, Bakau, Kotu & Coastal Road
Job Type: Full Time
Application Deadline: 8 Dec 2026
Reports To: Managing Director (MD)
Industry: Microfinance, Banking, Legal Advisory, Credit Risk, Debt Recovery, Compliance

Job Overview

Bayba Financial Services Ltd., a rapidly expanding microfinance institution in The Gambia, is seeking an experienced and results-driven Recovery Manager with a strong legal background to oversee loan recovery operations, reduce Portfolio at Risk (PAR), strengthen legal compliance, and coordinate litigation processes.

This role combines loan recovery management, legal advisory, debt collection, risk management, compliance monitoring, credit control, and litigation coordination. The successful candidate will also serve as an Internal Legal Adviser, supporting management on legal matters and acting as the main liaison with external solicitors and courts.

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About the Company

Bayba Financial Services Ltd. is committed to empowering individuals, entrepreneurs, and small businesses through accessible and responsible financial services. As part of its institutional growth strategy, the organization seeks to strengthen its credit risk management framework, legal compliance systems, debt recovery performance, and operational governance.

The company offers a professional environment for finance and legal professionals seeking long-term career growth within the microfinance and banking sector.

Key Job Responsibilities

Loan Recovery & Portfolio Management

The Recovery Manager will:

• Develop and implement loan recovery strategies for delinquent and non-performing loans (NPLs).
• Monitor and report Portfolio at Risk (PAR) performance metrics.
• Supervise recovery officers and ensure proper follow-up on overdue accounts.
• Negotiate repayment plans, settlements, and restructuring agreements with delinquent clients.
• Recommend loan write-offs, legal recovery actions, or restructuring options.
• Maintain accurate recovery records, dashboards, and performance reports.
• Improve debt collection efficiency and reduce loan default rates.

Legal Advisory Responsibilities

The successful candidate will also act as an Internal Legal Adviser by:

• Providing legal advice to management on operational, lending, and compliance matters.
• Reviewing, drafting, and negotiating:
  • Contracts
  • Loan agreements
  • Service agreements
  • Legal correspondence
  • Compliance documents
• Ensuring lending and debt collection activities comply with financial regulations and Gambian legal requirements.
• Advising management on legal and operational risks related to credit enforcement and collections.
• Supporting internal audit and compliance teams on legal matters.

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Litigation & External Legal Coordination

Key duties include:

• Acting as the primary liaison between Bayba and external solicitors.
• Preparing case files and supporting legal documentation.
• Following up on:
  • Court proceedings
  • Legal recovery cases
  • Enforcement actions
  • Judgments and settlements
• Coordinating repossessions, garnishments, and other debt enforcement mechanisms.
• Managing legal expenses and ensuring cost-effective case handling.

Policy Development & Internal Controls

The role will also involve:

• Developing and updating loan recovery procedures and legal manuals.
• Strengthening internal controls to minimize loan losses and prevent fraud.
• Ensuring loan agreements remain legally enforceable and properly documented.
• Conducting staff awareness sessions on:
  • Lending compliance
  • Documentation standards
  • Legal recovery procedures
  • Collection regulations

Key Performance Indicators (KPIs)

Success in this role will be measured through:

• Reduction in Portfolio at Risk (PAR >30 days).
• Improvement in recovery rates for delinquent loans.
• Faster turnaround time for legal cases and debt resolutions.
• Compliance with regulatory and internal legal standards.
• Strong quality and enforceability of lending documentation.

Educational Requirements

Applicants must possess:

• Bachelor’s Degree in Law (LLB) from a recognized institution.
• BL qualification and Bar admission will be considered an added advantage.
• Professional training in:
  • Debt recovery
  • Credit risk management
  • Banking compliance
  • Financial regulations
    will be beneficial.

Experience Requirements

The ideal candidate should have:

• Minimum 5 years of professional experience in:
  • Loan recovery
  • Legal practice
  • Credit risk management
  • Banking operations
  • Microfinance institutions
• Practical experience handling:
  • Debt recovery litigation
  • Court processes
  • Legal documentation
  • External solicitors
  • Financial recovery procedures

Required Skills & Competencies

The successful applicant should demonstrate:

• Strong negotiation and conflict resolution skills
• Excellent legal drafting and contract review abilities
• Advanced analytical and problem-solving capabilities
• Strong communication and stakeholder management skills
• High integrity, professionalism, and confidentiality
• Organizational and case management expertise
• Ability to manage legal risks and financial recovery operations effectively

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Reporting Structure & Working Relationships

The Recovery Manager will:

Directly Report To:
Managing Director (MD)

Collaborate Closely With:

• Credit Department
• Compliance Team
• Internal Audit Team
• Operations Department

External Stakeholders:

• Legal firms
• Courts
• Regulatory authorities
• Recovery partners

Salary & Benefits

Salary: Competitive remuneration package (Negotiable based on qualifications and experience).

Additional benefits may include:

• Professional development opportunities
• Legal and financial compliance training
• Career advancement within a growing institution
• Exposure to strategic banking and microfinance operations
• Leadership development opportunities

Training & Career Development

The selected candidate may receive training and exposure in:

• Credit risk management
• Banking legal compliance
• Debt recovery strategy development
• Litigation management
• Regulatory compliance systems
• Fraud prevention and internal controls

How to Apply

Interested candidates should send their CV and application letter

Or Submit Physical Applications To:
Managing Director
Bayba Financial Services, Westfield, Opposite Youth Monument, The Gambia.

Application Deadline: 8 Dec 2026

Important Note: Early applications are highly encouraged as recruitment may proceed before the final deadline.