Job Summary:

Our client, who is a Financial Service Company, is seeking a proactive and results-driven Recovery Officer to support the recovery of outstanding debts. The ideal candidate will play a key role in managing delinquent accounts, negotiating repayment plans, initiating legal proceedings when required, and ensuring compliance with recovery processes. This position requires excellent communication, investigative skills, and the ability to maintain high standards of customer service and regulatory compliance.

Responsibilities:

• Report directly to the Senior Recovery Officer.
  

• Oversee and manage the collection process of bad debts.
  

• Contact customers with delinquent accounts, negotiate repayment plans, and initiate legal recovery procedures where necessary.
  

• Maintain up-to-date documentation and action logs in the recovery system for all bad debts.
  

• Prepare and submit weekly and monthly reports detailing recovery progress, projected recoveries, and successful account resolutions.
  

• Identify settled accounts and ensure proper clearance procedures are followed.
  

• Uphold customer service and regulatory compliance standards to safeguard the company’s reputation and minimize legal or financial risks.
  

• Attend court sessions and actively follow up on legal recovery matters.
  

• Conduct physical visits and background investigations to locate clients’ current addresses or workplaces.
  

• Collaborate with internal departments and external stakeholders to enhance recovery outcomes.
  

• Draft and send demand and pressure letters to clients, followed by consistent follow-ups.
  

• Contribute to the development and implementation of effective debt collection strategies to reduce non-performing loans.
  

Requirements

• A diploma or bachelor’s degree in Business Administration, Law, Finance, or a related field.
  

• At least 2 years of experience in debt recovery or collections, preferably in the financial services sector.
  

• Strong negotiation and communication skills.
  

• Knowledge of legal procedures related to debt collection.
  

• High attention to detail and ability to maintain accurate records.
  

• Ability to work independently and as part of a team.
  

• Strong time management and organizational skills.
  

• Fluency in both Swahili and English (spoken and written).
  

• A professional, persuasive, and respectful approach to handling delinquent accounts.
  

• Ability to maintain confidentiality and exercise discretion in dealing with sensitive matters.
  

• Proficiency in Microsoft Office and familiarity with debt recovery systems is an added advantage.