Collections Officer

Loan Collections & Recovery:

• Conduct timely follow-ups with clients on overdue payments through calls, SMS, emails, and field visits where necessary.
• Negotiate repayment plans with customers in line with company guidelines.
• Maintain accurate and up-to-date records of collections and client communications.
• Issue demand notices and escalate delinquent accounts to the supervisor where required.
• Coordinate with external service providers, including field collectors and legal partners, to support recovery efforts.
• Monitor portfolio at risk (PAR) and recoveries to meet set monthly collection targets.

Customer Service & Relationship Management:

• Provide professional and respectful customer service while ensuring firm recovery action.
• Educate clients on repayment obligations and consequences of default.
• Identify challenges faced by clients and offer feasible repayment solutions.

Reporting & Compliance:

• Prepare and submit daily, weekly, and monthly collection reports.
• Ensure adherence to internal credit policies and regulatory requirements.
• Maintain confidentiality, integrity, and safe handling of client information.