Requirements

• 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

• 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.