4G Capital (4th Generation Capital) is Africa’s fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses and entrepreneurs who use our credit to grow their businesses and provide for the unforeseen. We seek to recruit a Debt Collection Agent.
The Debt Collection Agent will contact defaulting customers by calling and visiting them with an aim ofnegotiating settlement of the arrears.
Requirements2 years’ work experience in debt collection
Experience in microfinance, bank or any financial institution
A good level of general education- Diploma or degree
Computer literacy
Education background in sales/Marketing
Key Competencies
Customer Handling
Sales and Business Development
Enforcement of contract and repayment obligations
Administrative Support
General support to all tasks
Communications
Small Branch Operations
Information Collection
Personal Attributes
Integrity and ability to work in consumer finance
High Motivation
Self starter-functional problem solver
Process discipline- Ability to follow SOPs
Ideal candidate should possess strong negotiation and persuasion skills
Responsibilities
Ensure all work queues are acted upon.
Contact defaulting customers by calling and visiting them with an aim of negotiating settlement of thearrears
Ensure allocated accounts are monitored on a daily basis and appropriate actions taken to ensure that thecollection portfolio remains within accepted limits through the application of sound credit judgment within policy guidelines.
Investigate and resolve any customer queries and complaints through verbal or written correspondence inline with 4G policies.
Achieve the monthly collection targets.
Identify and escalate deceased or disabled customers to collections management for review or collectiontermination.
Perform field visits and submit reports/action plans to recover debt.
Work closely with the units and the call centre on the bad debt portfolio
Other duties include:
Conduct field visit assessment before visiting the market areas
Manage relationships with local authorities and Security Officers.
Plan and organize field collection drives across all branches.
Flag BFCs to be forwarded to the EDC for action
Job Requirements
Required education
: Diploma, Associate's degree
Required relevant work experience
: 2 years
Required languages:
English (Spoken: fluent | Written: fluent)
Mandatory attachments
Please have a scan or photo of these documents ready when you start the application:
Self-prepared CV file
- the employer wants to see a CV that you have prepared yourself
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