A recovery officer, manages delinquent accounts by contacting debtors via phone, email, or mail to negotiate repayment plans and minimize overdue balances. They utilize skip-tracing techniques to locate customers, maintain detailed, accurate records, and adhere to legal compliance to ensure maximum debt recovery.

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Key Responsibilities Customer Contact: Contacting customers regarding delinquent accounts to inform them of overdue payments and encourage repayment. Negotiation & Collection: Negotiating payment schedules, settlement options, and managing the recovery of written-down accounts. Documentation & Reporting: Maintaining accurate, up-to-date databases and records of all conversations, payments, and account status updates. Skip Tracing: Utilizing various search techniques to locate debtors who have missed payments. Compliance & Risk: Ensuring all actions comply with local/federal laws, including the Fair Debt Collection Practices Act. Field Visits: Performing field visits to borrowers or guarantors for direct recovery efforts, when necessary.

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Key Skills & Qualifications Communication & Negotiation: Strong persuasion, verbal communication, and active listening skills to influence outcomes. Resilience & Patience:  Ability to handle high-stress, fast-paced environments and difficult conversations professionally. Organization: High attention to detail for managing large portfolios of accounts and tracking payments. Computer Literacy: Proficiency with CRM systems, databases, and Microsoft Office tools. Experience: Previous experience in credit control, customer service, or debt collection is typically required.