Rehabilitation and Recoveries

  • Full Time
  • Zambia
  • Negotiable ZMW / YEAR

Website eShagi Zambia

Fintech Company


  • To design and implement effective collections strategies and tactical interventions to ensure proper management of credit risk.
  • Ensure compliance with statutory, regulatory and supervisory requirements, to protect the reputation of the Group and to avoid legal action or sanction in respect of regulatory breaches.
  • To create a core competency in strategic Customer Debt Management methodologies that enables sound collection management.
  • Timeous identification and actioning of arrears to minimize non-performing loans.
  • To control and improve provision adequacy, roll rates and costs through the introduction of best practice and maintaining appropriate and uniform Customer Debt Management policies and practices across all portfolios.
  • To build a sound and effective partnership model with Credit, Business and outsourced parties.
  • Deliver high quality daily operational reports for timeous decision-making.
  • Attend and provide input to all relevant credit committees.

Key Performance Areas (KPAs)

1.     Credit Granting Process

  • Collecting of payments on irregular accounts
  • Follow-up of irregular accounts
  • Preparation of credit life claims
  • Negotiating and monitoring of repayment plans
  • Monitoring outsourced collections
  • Ensure timely submission of reports to Credit Manager.

2.     Risk Management

  • Meet budget set for Collections/recoveries
  • Rehabilitate non performing accounts
  • Minimise write-offs
  • Investigate actions taken to proactively engage client prior to moving of account to Debt collectors.

3.     Relationships and Partnership

  • Responsible for liaising with Debt Collectors
  • Provide leadership to staff in terms of recruitment, performance management, development and discipline.

4.     Governance

  • Compliance with policies, procedures and regulations
  • Ensure accuracy of all reports

5.     Other Duties

  • Must be willing to perform any other duties assigned by the management.


  • Planning
  • Organizing
  • Trusting
  • Interpersonal Sensitivity
  • Ability to work with diverse groups of people
  • Delivering results
  • Ability to work well under pressure and meet deadlines
  • Self driven
  • Results focused
  • Ability to execute fast.


  • At least 3 years general experience in a financial lending with 2 years’ experience in debt collection.
  • Computer literate are essential (Word, Excel and PowerPoint)
  • Excellent interpersonal relationship skills


  • Full Grade 12 certificate with credit or better in Mathematics and English
  • A tertiary qualification (Banking or Business-related course)

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