Position Summary

• Gamma Mobility is seeking a Senior Relationship Officer to lead and manage a portfolio of vehicles, ensuring timely repayments, mitigating risk, and maintaining healthy portfolio performance. This role requires strong debt collection expertise, negotiation skills, leadership capabilities, and a customer-focused approach to ensure smooth and efficient operations in the assigned city.

Responsibilities

• Develop and implement effective collection strategies to ensure timely payments.
• Monitor portfolio performance and recommend proactive measures to maintain portfolio health.
• Ensure adherence to company policies, regulatory guidelines, and risk frameworks in all collection activities.
• Collaborate with the Field Operations Lead to oversee on-ground collection efforts.
• Maintain regular engagement with customers, ensuring high repayment compliance and building trust.
• Negotiate payment plans and offer structured repayment options where necessary.
• Identify early warning signs of potential defaults and implement preventive strategies.
• Supervise and mentor Relationship Officers, ensuring their collection targets are met.
• Conduct regular team meetings to discuss challenges, share insights, and develop collective strategies for improvement.
• Provide training and coaching to enhance collection techniques and compliance adherence.
• Collaborate with internal teams such as Credit & Risk, Legal, and Customer Success to resolve disputes effectively.
• Represent Gamma Mobility in discussions with external recovery agents and legal teams when required.

Requirements

• Minimum of 4 years Field Recovery experience
• Interpersonal and Negotiation Skills
• Knowledge of financial and non-financial agreement processes
• Excellent oral and written communication skills
• Ability to work both independently and in a team
• Experience in the banking or microfinance industry is a plus