Recoveries Officer

Job description

Location: Lusaka

Department: Recoveries Officer

Reports To: Chief Operations Officer

Employment Type: Full-time

About FundIt Capital Solutions

FundIt Capital Solutions is a growing financial institution committed to empowering individuals and businesses through innovative and accessible financing solutions. We pride ourselves on responsible lending, operational excellence, and delivering sustainable value to our clients and stakeholders.

About the Role

We are seeking a proactive, results-oriented and professional Recoveries Officer to join our team in Lusaka. The successful candidate will manage overdue accounts, engage customers to secure timely repayment, negotiate sustainable payment arrangements and support the reduction of portfolio arrears while maintaining high standards of customer service, compliance and confidentiality.

Key Responsibilities

·      Monitor assigned accounts and identify overdue obligations requiring follow-up.

·      Contact customers through approved channels to establish the reasons for non-payment and secure firm repayment commitments.

·      Negotiate realistic payment plans in line with company policies and delegated authority.

·      Follow up on payment promises and promptly escalate missed commitments or high-risk accounts.

·      Maintain accurate, complete and timely records of calls, correspondence, payment arrangements and account status.

·      Issue approved reminders, demand notices and other recovery correspondence.

·      Investigate account discrepancies and work with internal teams to resolve queries affecting repayment.

·      Recommend appropriate recovery actions, including restructuring, field visits, repossession or legal escalation, where applicable and authorised.

·      Prepare regular reports on collections, arrears, ageing, promises to pay, recoveries performance and emerging risks.

·      Meet agreed recovery targets and contribute to improvements in portfolio quality.

·      Handle customers fairly and professionally while protecting the organisation’s reputation.

·      Comply with internal controls, applicable laws, data-protection requirements and ethical debt-recovery practices.

Qualifications & Experience

·      A diploma or degree in Finance, Accounting, Banking, Business Administration, Economics, Credit Management or a related field.

·      At least three years of relevant experience in recoveries, collections, credit control or debt management.

·      Demonstrated experience managing delinquent accounts and negotiating payment arrangements.

·      Experience in banking, microfinance, insurance, fintech, asset finance or another credit-based environment will be an advantage.

·      Working knowledge of recovery processes, credit-risk principles and relevant regulatory requirements.

Required Skills and Competencies

·      Excellent verbal and written communication skills.

·      Strong negotiation, persuasion and conflict-resolution skills.

·      High integrity, sound judgement and the ability to handle sensitive information confidentially.

·      Strong analytical, organisational and problem-solving abilities.

·      Ability to remain professional when handling difficult conversations and challenging cases.

·      Target-driven, resilient and able to work independently with minimal supervision.

·      Good attention to detail and disciplined record-keeping.

·      Proficiency in Microsoft Office and familiarity with loan-management, collections or customer relationship systems.

·      Knowledge of local languages commonly spoken in Lusaka will be an advantage.

Preferred Attributes

·      High integrity and sound judgment.

·      Ability to balance growth objectives with effective risk control.

·      Strong organizational and problem-solving capabilities.

·      Passion for innovation, efficiency, and continuous improvement.

Why Join FundIt Capital Solutions?

At FundIt, we believe in fostering growth for our clients, our team, and the communities we serve. This is an excellent opportunity to be part of a forward-thinking financial institution where your expertise will shape the future of responsible lending.

How to Apply

If you are ready to make an impact, send your CV and cover letter ONLY to jobs@fundit-zm.com by Monday 2nd November 2026, with Recoveries Officer as the subject line.