Collections Officer

Job description

COLLECTIONS OFFICER 

Location: Lusaka, Zambia 

Reports to: Credit and Collections Manager 

Contract: Full-time  

We are seeking a diligent, aggressive and persistent Collections Officer to take ownership of the recovery of overdue accounts across our loan book. 

Purpose of the Role 

To follow up on all clients whose loan repayments are overdue, secure repayment or a workable repayment arrangement, and keep arrears within agreed portfolio targets. 

Key Duties and Responsibilities 

• Follow up on all clients with overdue accounts by telephone, SMS, email, WhatsApp and field visits, and maintain daily contact until the account is regularized. 
• Work assigned arrears portfolio by ageing bucket, prioritizing accounts by balance outstanding and days in arrears. 
• Negotiate repayment plans within the limits of the Credit and Loan Policy, and monitor adherence to every arrangement agreed. 
• Identify clients whose payroll deductions have not been collected, establish the cause (resignation, transfer, suspension, insufficient net pay or scheme error) and pursue recovery directly from the client. 
• Liaise with employers, payroll offices and third-party deduction schemes to correct failed or missing deductions and reinstate collections. 
• Trace and re-contact clients who have changed employer, contact details or station. 
• Record all contact attempts, promises to pay and outcomes accurately in the loan management system on the same day. 
• Prepare daily and weekly arrears and collections reports, including collection rates, promises kept and accounts at risk. 
• Escalate accounts that remain unresolved for demand letters, credit reference bureau listing, guarantor recourse or legal action in line with company policy. 
• Reconcile client accounts and resolve balance and payment allocation queries raised by clients. 

Qualifications and Experience 

• Diploma or Degree in Business Administration, Banking and Finance, Accountancy or a related field. 
• Minimum of two (2) years’ experience in collections, credit control or debt recovery, preferably with microfinance institution or lending company. 
• Working knowledge of payroll-based lending and third-party deduction schemes is an added advantage. 
• Proficiency in Microsoft Excel and experience with a loan management system. 

Key Competencies 

• Persistence, resilience and a strong sense of follow-through. 
• Confident negotiation and communication skills, with firmness balanced by professionalism. 
• Accuracy in record keeping and reporting; high personal integrity. 
• Ability to work to collection targets with minimal supervision. 

How to Apply 

Send your application letter, curriculum vitae and copies of academic and professional qualifications, as a single PDF, to info@incoteczambia.com with “Collections Officer” in the subject line. 

Closing date: 25th September 2026 

Only shortlisted candidates will be contacted. Incotech Solutions Limited is an equal opportunity employer.