Debt Collection Officer

About the Role

We are seeking a proactive and results-driven Recovery Officer to become part of our Debt Collection team. This role involves managing overdue accounts, interacting with customers to negotiate repayment arrangements, and maximizing debt recovery efforts while adhering strictly to legal guidelines and company policies.

Key Responsibilities

• Reach out to customers with delinquent accounts through telephone, email, SMS, or written communication to secure outstanding payments.
• Negotiate repayment schedules, settlements, and other recovery plans aimed at maximizing collections and maintaining customer rapport.
• Oversee the recovery of overdue and written-off accounts in accordance with company protocols.
• Utilize skip tracing techniques, including databases and lawful processes, to find customers unreachable through standard communication methods.
• Keep detailed and current records of customer interactions, payment agreements, and account statuses within the collection system.
• Compile and submit daily, weekly, and monthly recovery performance reports as requested.
• Perform field visits to borrowers, guarantors, employers, or business locations when needed to aid recovery efforts.
• Ensure all collection practices comply with relevant laws, regulations, and organizational policies.
• Consistently meet and strive to surpass assigned monthly collection targets and KPIs.

Qualifications and Experience

• A diploma or bachelor's degree in Business Administration, Finance, Accounting, Law, Banking, or a related discipline.
• At least one year of verifiable experience in debt collection, credit recovery, or credit control is required.
• Familiarity with debt collection methodologies is an advantage.

Skills Required

• Exceptional communication and negotiation capabilities.
• Strong persuasion skills coupled with effective conflict resolution.
• High ethical standards with professionalism and confidentiality.
• Resilience and adeptness in managing challenging conversations.
• Excellent organizational skills and effective time management.
• Solid analytical thinking and problem-solving abilities.
• Proficient in Microsoft Office suite and experienced with debt collection or CRM software.
• Ability to work autonomously while consistently achieving collection objectives.

Why Join Us?

• Attractive salary coupled with performance-linked incentives.
• Opportunities for professional growth and career advancement.
• Ongoing training within a supportive workplace culture.
• Pursue a fulfilling career with a rapidly expanding debt recovery firm.

Additional Information

Applications meeting the experience criteria will be considered; those without at least one year of debt collection experience will be disqualified. We are an equal opportunity employer and encourage diversity throughout our workforce.