We are seeking a highly motivated individual to fill the role of [Job Title], responsible for overseeing key operational, administrative, or technical tasks within our organization. The ideal candidate will possess [X years] of relevant experience, along with strong proficiency in [specific skill/software], demonstrating the ability to analyze complex problems and implement effective solutions. Key responsibilities include managing [specific duty], coordinating [related process], and ensuring adherence to [relevant standards or regulations]. Additionally, the successful applicant will collaborate closely with cross-functional teams to drive project success, maintain accurate documentation, and contribute to continuous improvement initiatives. Strong communication skills, both written and verbal, are essential to convey information clearly and foster productive working relationships. The position requires meticulous attention to detail, the capacity to multitask in a fast-paced environment, and a commitment to delivering high-quality results.
We seek a proactive and articulate Loan Collection Officer to strengthen our Debt Collection team in Nairobi. The ideal candidate will focus on recovering defaulted loans through strategic client engagement, including telephone interactions, in-person meetings, and skip tracing. This role plays a critical part in safeguarding the loan portfolio’s integrity while ensuring prompt recovery of outstanding debts in strict adherence to Combo Sacco’s guiding principles.
Oversee and execute core duties encompassing a spectrum of operational and strategic functions, ensuring alignment with organizational objectives. Manage key projects from inception to completion, maintaining rigorous standards of quality and efficiency. Collaborate cross-functionally to foster innovation and streamline processes, driving measurable improvements in productivity. Monitor performance metrics and implement corrective actions as necessary to uphold excellence. Serve as a liaison between departments to facilitate seamless communication and coordination. Stay abreast of industry trends and best practices to inform decision-making and maintain a competitive edge.
Experienced collectors adept at resolving outstanding balances via phone, employing strategic negotiation to secure payments while maintaining professionalism and compliance with collection policies.
Initiate and oversee outbound calls to borrowers whose loan accounts are past due, ensuring timely and effective communication to address delinquency and facilitate resolution.
Demonstrate proficiency in clearly conveying payment deadlines and skillfully negotiating repayment arrangements with stakeholders.
Conducting on-site visits to specified locations is required, involving direct observation and assessment of conditions, operations, or facilities as needed.
Perform on-site visits to engage with borrowers in remote locations or those needing direct, in-person consultations to facilitate loan-related discussions and assessments.
Examine repayment schedules and explore viable options to resolve overdue accounts through collaborative discussions.
Skip Tracing: We locate individuals who are difficult to find, utilizing advanced databases, public records, and investigative techniques to uncover current addresses, phone numbers, and other pertinent details. This role demands meticulous attention to detail, strong analytical skills, and the ability to navigate complex information efficiently. Candidates must possess prior experience in skip tracing, collections, or a related field, along with proficiency in relevant software tools. Responsibilities include conducting thorough research, verifying data accuracy, and delivering precise results to support legal, financial, or investigative processes. Effective communication and collaboration with team members and stakeholders are essential to ensure successful outcomes.
Employ diverse resources and tools to identify borrowers who have moved without supplying forwarding details.
Perform thorough investigations and compile pertinent data to accurately determine the present locations of members in default.
Demonstrated proficiency in mediating disputes, facilitating compromises, and reaching mutually beneficial agreements through skilled negotiation techniques and conflict resolution strategies.
Assist borrowers in crafting viable repayment strategies, collaborating closely to ensure these plans align with their financial circumstances.
Track repayment schedules closely, proactively following up with borrowers to confirm adherence to agreed-upon payment plans and resolve any potential obstacles.
Manages the systematic organization, storage, retrieval, and disposition of records in compliance with regulatory requirements and organizational policies, ensuring information integrity and accessibility while safeguarding sensitive data.
Ensure meticulous documentation of all communications, agreements, and account statuses to uphold precision and currency in records.
Compile and present detailed reports summarizing collection activities and their respective outcomes for executive leadership review and assessment.
Ensures adherence to legal standards, regulatory requirements, and ethical guidelines within the organization. Monitors compliance with policies and procedures, identifies potential risks, and implements corrective measures as needed. Promotes a culture of integrity and accountability, providing training and guidance to employees on ethical practices and regulatory obligations. Conducts audits and assessments to evaluate compliance effectiveness, reporting findings to senior management and recommending improvements. Collaborates with cross-functional teams to address compliance gaps and mitigate legal exposure.
All collection activities must be performed in strict adherence to applicable laws, regulatory standards, and established organizational policies.
Ensure strict confidentiality and safeguard the integrity of all member data at all times.
Candidates must possess a bachelor’s degree in a relevant field, along with a minimum of three years of professional experience in a related discipline. Proficiency in industry-standard software and tools is essential, as is the ability to work independently and collaboratively within a team. Strong analytical and problem-solving skills are required, along with excellent communication abilities to convey complex information effectively. Familiarity with project management methodologies and adherence to deadlines are also necessary. Additional certifications or specialized training may be advantageous.
A Bachelor’s or Diploma in Finance, Business Administration, or an equivalent discipline is required.
Demonstrated expertise in debt recovery, ideally within a Sacco, banking, or financial services environment.
Exceptional proficiency in negotiation and communication is essential.
Demonstrates strong interpersonal skills to navigate challenging discussions and foster constructive member interactions.
Proficiency in utilizing debt collection software and employing advanced skip tracing methodologies is essential.
Demonstrates strong competency in utilizing Microsoft Office applications effectively.
Attributes:
Upholding the highest standards of integrity and ethical behavior is essential.
They must exhibit resilience and persistence, demonstrating an unwavering commitment to overcoming challenges and achieving long-term objectives despite obstacles or setbacks.
Proficient in both autonomous and collaborative work environments, demonstrating adaptability and strong interpersonal skills to contribute effectively as an individual contributor or team member.
Qualifications
BA/BSc/HND , Diploma , Professional Certificate , Vocational
Experience Required
5 years
