Role Overview

Manages unsecured, employer-check-off loans by reconciling payroll deductions, engaging HR departments, and negotiating with defaulting employees. They ensure timely debt recovery, reduce portfolio delinquency, and maintain accurate records.

Duties & Responsibilities – Checkoff Collections

Checkoff Remittance Tracking & Processing

• Monitor receipt of monthly checkoff remittances from employers, county governments, or government departments.
• Record and update remittance payments in the loan management system accurately and on time.
• Verify that remitted amounts match employee deduction schedules and loan repayment plans.

Reconciliation

• Assist in reconciling employer remittance schedules with actual payments received.
• Identify shortfalls, overpayments, missing remittances, or misallocated funds.
• Prepare lists of exceptions and follow up with employers to resolve discrepancies.

Employer Relations & Communication

• Contact payroll officer to follow up on pending, delayed, or partial deductions.
• Support communication on new loan uptake, updated deduction instructions, or loan clearance notices.
• Provide courteous and professional support to employer partners to strengthen working relationships.

Client Account Updates & Support

• Update client loan accounts after remittance posting and ensure repayment status is current.
• Notify clients of remittance delays, arrears, or account irregularities when necessary.
• Assist clients in understanding their repayment status and address basic account queries.

Compliance & Documentation

• Prepare and maintain accurate records of deduction instructions, employer remittance schedules, and correspondence.
• Ensure checkoff forms and payroll instructions are properly completed and filed.
• Support compliance checks to confirm employer adherence to agreed deduction arrangements.

Reporting & Data Management

• Help generate daily, weekly, and monthly reports on checkoff collections performance, arrears, and employer compliance.
• Support data cleaning and updating in the loan management system (e.g., updating employer codes, staff lists, deduction categories).
• Assist in preparing presentations or summaries for management review.

Administrative & Team Support

• Support the collections team with filing, documentation, scanning, and general administrative tasks.
• Participate in internal meetings and contribute insights on trends observed in remittances or employer behaviour.
• Assist in special projects such as digitalizing checkoff processes or improving collection efficiency.

Process Improvement & Learning

• Suggest improvements in tracking, communication, or reconciliation workflows.
• Learn and apply microfinance policies, loan products, and checkoff regulations relevant in Kenya.
• Demonstrate continuous learning and commitment to supporting the institution’s financial sustainability

Minimum qualifications and Experience

Academic Qualifications

• Degree/Diploma in Finance
• Business Administration
• Banking & Finance or any related field

Technical Skills

• Basic understanding of banking  loan products, credit management or microfinance operations
• Strong numerical skills and attention to detail
• Proficiency in MS Excel
• Good data entry accuracy and ability to work with large volumes of data

Soft Skills

• Strong communication skills
• High levels of integrity, confidentiality and professionalism
• Ability to work under minimum supervision
• Problem solving mindset and willingness to learn