Lenderu Lending Solutions Limited, based in Lusaka, Zambia, is seeking dedicated and results-oriented Debt Collection Officers to strengthen our team. If you are passionate about driving effective debt recovery while fostering positive customer relationships, this opportunity in debt collection jobs in Lusaka is ideal for you. The role focuses on managing overdue accounts, negotiating repayment plans, and ensuring compliance with company policies and relevant regulations to minimize financial losses.

As a Debt Collection Officer at Lenderu Lending Solutions, you will play a crucial role in recovering outstanding debts while maintaining professionalism and ethical standards. You will monitor customer accounts, engage with debtors through various communication channels, and negotiate settlements to support the company’s financial health. This full-time position requires a proactive approach to managing delinquent accounts and collaborating with management to achieve collection targets.

Key Responsibilities

• Monitor customer accounts to identify overdue payments promptly.
• Contact debtors via telephone, email, letters, and other methods to recover outstanding debts.
• Negotiate payment plans and settlement agreements to facilitate debt recovery.
• Follow up on broken payment arrangements and overdue accounts to ensure compliance.
• Maintain accurate and up-to-date records of all collection activities and customer interactions.
• Investigate and resolve customer queries related to outstanding balances.
• Assess customers’ financial information to evaluate repayment ability.
• Prepare and issue demand notices and collection correspondence as needed.
• Escalate accounts for legal action or external collection agency involvement when necessary.
• Reconcile customer accounts to ensure accuracy of balances.
• Generate collection reports and provide regular updates to management.
• Ensure strict adherence to company policies, debt collection regulations, and ethical standards.
• Contribute to reducing bad debts and meeting collection targets consistently.

Required Qualifications and Experience

• Full Grade 12 School Certificate with credits in English and Mathematics.
• Diploma or higher qualification in Business Administration, Marketing, Banking and Finance, or related field.
• Minimum of 2–3 years’ experience in debt collection, credit control, accounts receivable, or a similar role.
• Strong knowledge of debt recovery procedures and collection techniques.
• Proficiency in Microsoft Office, especially Excel.
• Experience with accounting or debt management software systems.
• Ability to work effectively under pressure and consistently meet targets.

Key Competencies and Skills

• Excellent negotiation and persuasion abilities.
• Strong verbal and written communication skills.
• Conflict resolution and exceptional customer service orientation.
• High attention to detail and accuracy in record-keeping.
• Analytical thinking and problem-solving capabilities.
• Effective time management and organizational skills.
• Professionalism, integrity, and confidentiality in handling sensitive information.
• Thorough understanding of legal and regulatory requirements related to debt collection.

• Monitor customer accounts to identify overdue payments promptly.
• Contact debtors via telephone, email, letters, and other methods to recover outstanding debts.
• Negotiate payment plans and settlement agreements to facilitate debt recovery.
• Follow up on broken payment arrangements and overdue accounts to ensure compliance.
• Maintain accurate and up-to-date records of all collection activities and customer interactions.
• Investigate and resolve customer queries related to outstanding balances.
• Assess customers’ financial information to evaluate repayment ability.
• Prepare and issue demand notices and collection correspondence as needed.
• Escalate accounts for legal action or external collection agency involvement when necessary.
• Reconcile customer accounts to ensure accuracy of balances.
• Generate collection reports and provide regular updates to management.
• Ensure strict adherence to company policies, debt collection regulations, and ethical standards.
• Contribute to reducing bad debts and meeting collection targets consistently.

• Excellent negotiation and persuasion abilities.
• Strong verbal and written communication skills.
• Conflict resolution and exceptional customer service orientation.
• High attention to detail and accuracy in record-keeping.
• Analytical thinking and problem-solving capabilities.
• Effective time management and organizational skills.
• Professionalism, integrity, and confidentiality in handling sensitive information.
• Thorough understanding of legal and regulatory requirements related to debt collection.
• Proficiency in Microsoft Office, especially Excel.
• Experience with accounting or debt management software systems.

• Full Grade 12 School Certificate with credits in English and Mathematics.
• Diploma or higher qualification in Business Administration, Marketing, Banking and Finance, or related field.