Job Description

Reports To: Credit Administration Team Leader
Location: Accra

Purpose Of The Job:

• To establish and maintain a continuous professional relationship with clients in default, to implement and ensure compliance with realistic payment plans. Play a key role in assisting the Arrears Team to achieve set targets.

Primary Responsibilities:

• Assist with the implementation of policies and procedures for Arrears collection
• Ensure that customers with non-performing loans adhere to agreed payment plans
• Undertake debt counselling, interviews, face-to-face and on the phone
• Monitor loans and promptly implement recommended mitigating processes if default occurs
• Advise clients of the next course of action and the ultimate consequences of non-payment
• Respond to customer correspondence within established timelines
• Recover outstanding debts and account for all monies collected promptly and honestly
• Notify customers of specific actions and changes and deal with subsequent complaints
• Send out demand notices to customers for rectification of accounts in default
• Maintain accurate and up-to-date records on clients in arrears in line with company procedure
• Provide timely and accurate reports to management as required.
• Other reasonable tasks / duties as may be assigned by management

Required Skills or Experience

• At least HND in any discipline  
• Minimum of 1 year experience in unsecured loan collection (micro loans, group loans, small business loans, payday loans)
• Experience in recovery via telephone communication

Competencies Required (Skills & Abilities)

• Possess excellent communication skills
• Ability to use own initiative and work as an effective team member
• Problem analysis and solving with attention to detail
• IT aptitude and the ability to learn (Ms. Excel is a must)
• Ability to calmly but firmly deal with customers.
• Ability to handle difficult defaulters
• A passionate “can do” attitude