Collection Officer – Karatina

About the role

The Collection Officer will be responsible for minimizing credit losses and maximizing recoveries for our loan portfolio. You will engage directly with defaulting customers, negotiate settlements, and ensure timely reporting of payment behaviours.

Key responsibilities

• Meet targets for credit loss reduction and loan recovery.
• Provide timely feedback on customer payment behaviour to management.
• Contact defaulting customers by phone or visit to negotiate settlements.
• Collaborate with Business Development Officers on bad‑debt portfolios.
• Prepare, analyse and submit regular reports on overdue accounts, recovery plans and risk exposure.
• Identify and assess risk areas in the recovery process and recommend actions.
• Implement data clean‑up procedures to maintain accurate credit data for MSMEs.
• Oversee recovery of outstanding loan amounts and manage the realization of securities while respecting client rights.
• Approve loans within set limits and coordinate higher‑limit approvals with the Branch Manager.
• Review capacity needs, supervise staff and initiate training for the credit department.
• Perform other duties as assigned by the company.

Required profile

• Diploma or degree (general education).
• Computer literacy.
• Background in sales or marketing.
• Experience in a financial institution, especially serving low‑income customers (advantageous).
• Minimum 1 year of relevant experience in debt recoveries.

Required skills

• Computer literacy