About the Role�

• Reporting to the Debt Recovery Manager,, the ideal candidate is responsible for collections of defaulted portfolio, tracing & recovery of all SunCulture assets assigned on credit but defaulted, issuance of Demand letters in the field & initiation of repossession rights on all non-performing credits above SunCulture’s PAYG credit policy guidelines.

Key Responsibilities

• Be accountable for reducing delinquency for assigned accounts
• Ensure allocated accounts are monitored on a daily basis and appropriate actions are taken to ensure that the collection portfolio remains within acceptable limits through the application of sound credit judgment within SunCulture PAYG credit policy guidelines.
• Investigate and resolve any customer queries and complaints through verbal or written correspondence in line with SunCulture PAYG credit policies.
• Issue out demand letters at field level to defaulters with the aim to get payments back to normalcy.
• Record new commitment to repay the debt (PTPs), determine if the debt can be collected, and accordingly recommend/initiate the recovery process.
• Contact defaulting customers either by calling or visiting them with an aim of negotiating a settlement of the arrears.
• Initiate repossession of SunCulture assets as necessary.
• Achieve the monthly collection targets as assigned by the supervisor
• Identify and escalate deceased or disabled customers to the Head of Credit for review or collection termination.
• Ensure all work queues are acted upon.
• 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 regions
• Conduct monthly reporting as per portfolio performance on delinquency.

Does this sound like you?

• Diploma or degree in Debt collection and Management, Business Information Science, Finance or Accounting
• At least 3-6 years’ work experience in debt collection in microfinance, the solar industry, or related organization
• Knowledge of relevant legal requirements and processes in microfinance and credit collections  environment or any other financial institution
• A valid Driving licence.
• Evidence of well-developed organizational skills and the ability to meet deadlines.
• Integrity and ability to work in consumer finance with small scale farmers across Kenya
• Sound verbal communication skills including the ability to negotiate respectfully and communicate the rationale for decisions made.
• Target driven, self-starter, and problem solver
• Demonstrated ability to follow policy and procedures.
• Sound judgment, analytical, and decision-making skills.
• Accuracy and attention to detail.
• Demonstrated ability to quickly learn new systems and processes.   �
• Demonstrated commitment to service excellence.
• Proficiency in GSuite, Microsoft Office