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Operations Officer

First Capital Bank Zambia Copperbelt

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Employer reference

Employer and vacancy source: First Capital Bank Zambia

Zambia Job Alerts publishes the vacancy details and application instructions for this listing. Use the employer details, deadline and application section below to verify the opportunity before applying.

  • EmployerFirst Capital Bank Zambia
  • LocationCopperbelt
  • Employer websitezambiajobalerts.com
  • Application methodExternal application link
  • Listing sourceZambia Job Alerts
Job facts

Key details for this vacancy

Employer
First Capital Bank Zambia
Location
Copperbelt
Posted
August 17, 2026
Job type
Full Time
Category
Other
Application method
External application link

Website First Capital Bank Zambia

Job description

The role will manage the post-disbursement operational functions on the Consumer Lending unit, ensuring accurate payment processing, submissions, employer coordination, collections support and financial reconciliations.

Reporting into the Credit Operations Manager, the job purpose includes managing monthly employer submissions and remittance to ensure timely loan repayments ,Processing and receipting customer payments accurately and timeously ,maintaining accurate financial records through daily and monthly reconciliations ,Supporting collections efforts by monitoring arrears and conducting credit analysis ,resolving operational queries, processing settlements and refunds efficiently

Key Responsibilities:

  • Preparing and submitting loan deduction schedules to employers
  • Following up with employers to ensure deductions are processed correctly
  • Reconciling employer remittances against deduction schedules
  • Resolving discrepancies in employer deductions and updating loan accounts
  • Maintaining accurate employer contact databases and submission calendars
  • Receipting payments from various channels (salary deductions, over the counter payments and any other source of payment)
  • Allocating payments correctly to customer loan accounts
  • Processing bulk payments and employer remittances
  • Issuing payment confirmations to customer and employers
  • Ensuring dame-day processing of payments received
  • Performing daily reconciliations on payments received against allocated accounts
  • Reconciling loan accounts against aggregate loan book data
  • Identifying and investigating variances or unallocated payments
  • Preparing reconciliation reports for Management review
  • Resolving suspense account items promptly
  • Generating daily/weekly arrears reports by bucket
  • Monitoring clients who miss employer deductions or direct payments with a specific emphasis on First Instalment Defaults
  • Conducting basic credit analysis to assess credit repayment capacity
  • Making courtesy calls to customers in early arrears
  • Documenting collection efforts and customer commitments
  • Processing full loan settlements and issuing clearance letters
  • Managing overpayment refunds and processing refund requests
  • Coordinating with Finance and Operations for refund approvals and disbursements
  • Maintaining settlement and refund records
  • Resolving customer queries on payment allocations, loan account balances, and deductions
  • Investigating and correcting posting errors or misallocations
  • Liaising with loan administrators, employers, and other key stakeholders to resolve customer queries and complaints
  • Escalating complex queries to supervisor and other relevant departments
  • Maintaining query logs and response time tracking
  • Analysing payment trends, deduction success rates and arrears patterns
  • Preparing operational performance reports
  • Identifying process bottlenecks and inefficiencies
  • Providing insight on employer performance and customer payment behaviour
  • Supporting Management with ad-hoc data requests and analysis
  • Ensuring adherence to financial controls and limits

Technical Skills & Competence:

· Diploma in Business Administration/Marketing/Accounting

· Accurate Data Capturing

· Reconciliation

· Data analysis

· Critical Thinking

· Effective communication

· Planning

· Interpersonal

· 2-3 years minimum in data capturing with minimal errors

· Expertise and previous experience in data analytics would be an added advantage

· Previous experience with financial/banking systems and software

· Awareness of industry trends

Qualifications and Requirements:

· Diploma in Business Administration/Marketing/Accounting

· Accurate Data Capturing

· Reconciliation

· Data analysis

· Critical Thinking

· Effective communication

· Planning

· Interpersonal

· 2-3 years minimum in data capturing with minimal errors

· Expertise and previous experience in data analytics would be an added advantage

· Previous experience with financial/banking systems and software

· Awareness of industry trends

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To apply for this job please visit careers.fmbch.com.

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