Collections Officer X2

Collections Officer Jobs in Lusaka at Malu Capital Malu Capital, a rapidly expanding microfinance institution based in Lusaka, Zambia, is seeking dedicated professionals for the position of Collections Officer. We specialize in providing reliable, affordable, and customer-centered financial solutions, empowering individuals and businesses through responsible lending.

If you are looking for collections officer jobs in Lusaka that offer the opportunity to contribute to financial inclusion and sustainable growth, this role is an excellent fit. About Malu Capital At Malu Capital, we are driven by integrity, innovation, and excellence.

Our commitment is to deliver exceptional service, foster lasting customer relationships, and create opportunities that positively impact the communities we serve. Join our team and be part of a company dedicated to sustainable economic development.

Role Overview:

• Collections Officer Reporting to the Collections Manager within the Collections Department, the Collections Officer plays a vital role in managing overdue loan repayments.

This position focuses on reducing portfolio delinquency and maintaining a healthy loan book by engaging customers through various communication channels and ensuring compliance with company policies and ethical standards.

Key Responsibilities of Collections Officer Jobs in Lusaka Loan Collections:

Proactively contact customers with overdue loans via phone, SMS, email, and in-person visits; promptly follow up on missed installments; negotiate repayment plans within company guidelines; maintain positive customer relationships while enforcing repayment obligations; and update system records accurately.

Portfolio Management:

Monitor loan portfolios daily, identify high-risk accounts, recommend recovery strategies, escalate delinquent cases needing legal or management attention, and keep customer records current after each interaction.

Customer Engagement:

• Educate customers on repayment responsibilities, respond professionally to inquiries and complaints, maintain confidentiality, and resolve concerns while safeguarding company interests.

Reporting and Documentation:

• Prepare timely collection reports (daily, weekly, monthly), track progress against targets, document all recovery efforts, and record repayment commitments and follow-ups.

Compliance:

• Adhere to company policies and legal regulations, maintain ethical conduct during all customer interactions, and protect confidential information.

Field Collections:

• Conduct field visits to verify customer details, trace unreachable customers, and submit comprehensive visit reports promptly.
• Qualifications and Experience Diploma or Bachelor's Degree in Business Administration, Accounting, Economics, or a related field.
• At least one year of experience in loan collections, credit administration, debt recovery, customer service, or a similar role.
• Experience in a microfinance or financial services environment is advantageous.
• Skills and Competencies Strong negotiation and persuasion abilities.
• Excellent verbal and written communication skills.
• Effective conflict resolution and problem-solving capabilities.
• Attention to detail and high professional integrity.
• Ability to work under pressure and meet collection targets.
• Good organizational and time management skills.
• Customer-focused mindset.
• Proficiency in Microsoft Office and report preparation.
• Personal Attributes Honest, trustworthy, and self-motivated.
• Results-oriented with resilience and persistence.
• Confident and professional demeanor.
• Capable of working independently and collaboratively within a team.
• Friendly and service-oriented approach.

How to Apply Interested candidates are invited to submit their CV and cover letter via email to Apply Now. Join Malu Capital and contribute to a mission that supports financial inclusion and economic empowerment in Lusaka.

Job Details Company Malu Capital Location Lusaka, Zambia Employment Type Full Time Job Category Administration Application Email Apply Now