Recovery Officer

About the role

The Recovery Officer will be responsible for managing loan portfolios, ensuring timely repayments and handling overdue accounts. This role supports the Sacco’s growth strategy by safeguarding assets and maintaining strong member relationships.

Key responsibilities

• Monitor loan accounts and verify repayments against agreed schedules.
• Follow up on overdue accounts and implement effective recovery strategies.
• Manage non‑performing loans and recommend appropriate recovery actions.
• Conduct member and guarantor follow‑ups to facilitate loan recovery.
• Review and recommend loan restructuring requests where necessary.
• Prepare daily, weekly and monthly recovery reports and portfolio performance analyses.
• Coordinate with legal service providers on recovery cases when required.
• Ensure compliance with Sacco policies, regulatory requirements and credit procedures.
• Maintain accurate, confidential recovery records and documentation.
• Perform any other duties assigned by management.

Required profile

• Diploma or Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Cooperative Management, Law or a related field.
• At least two years of experience in debt recovery, collections, credit management or a similar role.
• Professional qualifications in Credit Management or Debt Recovery are an advantage.
• Strong negotiation, problem‑solving, communication and interpersonal skills.
• High integrity, professionalism and attention to detail.
• Ability to work under pressure and meet recovery targets.

Required skills

• MS Office