Vacancy title:
Debt Recovery Officer

[Type: FULL_TIME, Industry: Finance, Category: Accounting & Finance, Business Operations, Legal]

Jobs at:
Bedford Microfinance Limited (BML)

Deadline of this Job:
Sunday, February 15 2026

Duty Station:
Flat Number 2 Permanent Court | Lusaka | Lusaka

Summary
Date Posted: Thursday, February 5 2026, Base Salary: Not Disclosed

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Learn more about Bedford Microfinance Limited (BML)
Bedford Microfinance Limited (BML) jobs in Zambia

JOB DETAILS:

About the employer

Bedford Microfinance Limited was established in 2020. BML is a fast growing microfinance lending institution operating in Lusaka and Ndola.

Debt Recovery Officer (1 Position)

The company is searching for a tactical debt collector to oversee the prompt receipt of clients' overdue payments. The debt collector's responsibilities include spotlighting and contacting prominent defaulters, conceiving payment plans, restructure or reschedule such loans and negotiating updated payment options. You should also inspect clients' adherence to these updated obligations.

To ensure success as a debt collector, you should possess polished tracking and strategizing techniques.

Debt Recovery Officer’s Duties and Responsibilities:

• Identifying deviations from predetermined payment plans.
• Calling and emailing defaulters to restate their dues.
• Use skip-tracing techniques to locate difficult debtors..
• Proposing realistic, carefully-constructed payment plans.
• Negotiating newly-adjusted payment plans.
• Prepare debt collection reports.
• Monitoring defaulters' repayments to stop recurrent non-compliance.
• Maintaining an updated, exhaustive paper trail.
• Instituting suitable, timely legal action, if needed.
• Ensure compliance with debt collection laws.
• Resolve conflicts to achieve solutions.
• Share insights to improve debt recovery strategies.
• Attend courts on behalf of BML as part of recovery process.

Education and Experience

• Full grade 12 certificate or higher preferred.
• Proven experience in debt collection (minimum 3 years) , preferably in finance.
• Receipt of a formally-recognized finance qualification is ideal.
• Familiar with debt-related legal provisions.
• Excellent verbal communication and negotiation skills.
• Knowledge of debt collection laws.
• Fine-tuned telephone etiquette.
• Discerning, attentive, and thorough.
• Excellent organizational and time management skills.
• Certification in debt collection practices is advantageous.

Work Hours: 8

Experience in Months: 12

Level of Education: high school

Job application procedure
Interested in applying for this job? Click here to submit your application now.

All applications in writing should be accompanied by up-to-date Curriculum Vitae and supporting documents (Note: do not send originals) with the names and addresses of three referees, one of which should be the last or current employer. The applications must be submitted in a sealed envelope indicating the position being applied for.

Applications should be addressed and submitted to the address below by 15th February 2026:

The Chief Executive Officer

Bedford Microfinance Limited

Flat Number 2 Permanent Court

Church Road Ridgeway

Lusaka

Zambia

For any information contact us on +260 211 410 034

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