Field Collection Officer

About the role

Phillips International Auctioneers is a professional auctioneering and debt recovery firm that helps financial institutions and lenders recover aged and delinquent accounts through its Debt Collection and Skip Trace Centre. It is growing its field collections capability and is looking for a disciplined, self-driven and well-spoken professional to recover outstanding amounts directly from clients in the field. This is a field-only role.

Key responsibilities

• Aged loan recovery: visit clients with aged and overdue loans, as assigned by the Collections Manager, to persuade them to pay and ensure payment compliance.
• Negotiate practical, mutually acceptable repayment plans and secure commitments to pay, following up until the amounts are recovered.
• Verify clients' locations, contact details and financial situation on the ground and recommend suitable repayment arrangements.
• Build and maintain professional relationships with clients, explain loan status and repayment options, and address queries promptly.
• Monitor client activity and give the Collections Manager regular feedback on account status, risks and recovery prospects.
• Keep accurate records of every visit, interaction and repayment agreement in the system and update accounts promptly.
• Prepare and submit daily, weekly and monthly field collection reports showing performance against target.
• Ensure all collection activities comply with company policy, applicable laws and regulations, and ethical standards.
• Identify and report potential risks, fraud or untraceable accounts, and recommend ways to reduce defaults.
• Meet and exceed monthly collection targets, improve the recovery rate of the portfolio and share successful strategies with the team.

Required profile

• Minimum Kenya Certificate of Secondary Education (KCSE); a diploma or degree in Business Administration, Finance, Sales & Marketing or a related field is an added advantage.
• Proven experience in debt or field collection, preferably in financial services, microfinance, SACCO or insurance, is highly desirable.
• Fluent in English and Swahili.
• Willingness to travel and conduct regular field visits; a valid driving or riding licence is an added advantage.
• A valid Certificate of Good Conduct will be required before engagement.

Required skills

• Strong negotiation and persuasion skills, able to handle rejection and challenging situations calmly.
• Good understanding of debt collection processes, regulations and ethical collection practice.
• Ability to work independently, plan routes and manage time in a fast-paced, high-pressure environment.
• Proficiency in mobile and computer applications for reporting and communication.

To apply, send a detailed CV with three professional referees, a copy of your National ID, copies of academic and professional certificates, and a copy of your driving or riding licence (if applicable) by email, quoting the position title in the subject line.