Job Description
ExpressCredit is a global consumer finance company operating in Zambia and 3 surrounding countries, including Botswana, Namibia, and Lesotho. Our company helps individuals in a need of short-term and long-term financial solutions – all of which make a meaningful and lasting impact on the local communities.
Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!
To learn more about ExpressCredit, visit: www.expresscredit.co.zm
We invite suitably qualified individuals based in Lusaka or able to self-relocate to apply for Position of Collections Officers (x4) in our Debt Collections Department.
Job Purpose
Responsible for managing the collection of outstanding debts from clients, negotiate payment arrangements, handle debtor enquiries, executing recovery and ensuring collection chain processes are in place, and to provide administrative assistance to the team.
Key Responsibilities
Follow company standards and ensure high quality and productivity of job performance –
Maintain good customer service.
Follow internal rules/policies/guidelines.
Contact debtors by telephone and email regarding the collection / recovery of overdue amounts on accounts. Updating client’s feedback on ERP system.
Attend to walk-in clients for queries/payment arrangements.
Follow up on promise to pay and payment commitment cases to ensure a positive resolution of actual payment
Negotiate, set up and monitor payment arrangements in accordance with delegations and procedures by form of payment in full, settlements and / or payment arrangements
Meet monthly collection targets as assigned by management
Keep track and ensure all incoming payments are assigned/flagged
Ensure all loans above 90 days delay are terminated
Refer matters to legal for legal recovery action where necessary
Provide ad-hoc activities when required
Tracking and communicating error deductions with partners and handling all related issues as per line manager requests
Generate ideas and suggestions for collections strategies improvements
Being up to date with newest procedures and all job-related updates
Being able to multitask and work in a fact pace environment
Qualifications and Requirements
Grade 12 (Min 25 points) Tertiary Qualification in related field (finance) added advantage
1-2 Years relevant field experience – Computer literacy in Microsoft office (Word, Excel, Outlook)
Meet daily /weekly /monthly targets
Make outbound calls in accordance with predetermined schedules
Ability to analyze and interpret account and all client documents
Ability to multitask and work in fast-paced enviroment
Approachable personality with problem solving skills
Accuracy in data capturing
Target driven
Persistence
Team Player
Good Communications Skills
Attention to Detail
Problem solver
Good negotiation skills