Credit Collections Associate

About the Role 

Reporting to the Credit Collection Manager the ideal candidate will ensure all approved and disbursed PayG loans are fully repaid as stipulated in the terms and conditions to prevent loss to the business due to non-repayment.

Key Responsibilities

• Monitor and manage the PayG portfolio within the 1–90 days arrears bucket, identifying delinquency trends and escalating potential risk exposures to support effective portfolio control.
• Conduct customer follow-ups through telephone calls and field visits (where necessary) to secure repayments and negotiate structured repayment plans in line with credit policy.
• Ensure effective early arrears management to maintain Portfolio at Risk (PAR) within approved thresholds and improve churn rates and cure rates.
• Escalate delinquent accounts to Field Officers for prompt on-ground follow-up and resolution, ensuring timely intervention on high-risk and priority cases to improve recovery outcomes.
• Drive timely resolution of client-related issues, including negotiation of repayment agreements, processing and follow-up of insurance claims, handling rescheduling requests, and coordinating aftersales support to enhance customer experience and recovery efficiency.
• Support scheduling and prioritization of collection activities to maximize productivity and recovery performance across assigned portfolios.
• Generate weekly arrears, compliance, risk, and recovery performance reports to support management decision-making and ensure adherence to internal credit policies and regulatory requirements.
• Perform any other duties within the scope of this position as assigned by the Credit Collections Manager.

Does this sound like you?

• Diploma or bachelor’s degree in Business Administration, Finance, Accounting, or a related field.
• Previous 1 -2 years’ experience in credit collection or a similar role
• At least 2- -3 years experience in debt collection and recovery environment (Practical experience in Lending and recovery).
• Knowledge in credit management and banking is an added advantage.
• Capable and willing to work extended hours
• Excellent interpersonal skills with good leadership skills.
• Evidence of well-developed organizational skills and the ability to meet strict deadlines.
• Knowledgeable on the Financial services, Micro Finance and consumer lending sectors is a must.
• Sound verbal communication skills including the ability to negotiate respectfully and assertively 
• Accuracy and attention to detail.
• Demonstrated ability to quickly learn new systems and processes.    
• Demonstrated commitment to service excellence.
• Proficiency in GSuite, Microsoft Office