Background

Loanco Financial Services Limited is a Bank of Zambia licensed non-bank deposit-taking microfinance institution specialising in payroll lending. We are expanding our Collections team as the loan book grows.

The Role

The Collections Portfolio Officer owns a defined portfolio of approximately 150 clients across all classifications (performing, partial performing and non-performing). You are responsible for every required action on your allocated clients according to the classification playbook, with clear monthly measurement of improvement on your book.

Key Responsibilities

• Manage an allocated portfolio of ~150 clients / ~K3 million book.
• Execute the full collections playbook for each client according to classification (A, B, C / non-performing).
• Perform daily/weekly contact, debit-order follow-up, PMEC queries, phone and field activity as required.
• Maintain accurate system notes and prepare complete files for legal hand-over when required.
• Report weekly portfolio movement to the Collections Manager.
• Ensure fair-treatment standards and regulatory compliance in all interactions.

Requirements

• Diploma or Degree in Banking, Finance, Business Administration or a related field.
• Minimum 1–2 years’ experience in collections, debt recovery or credit control, preferably in microfinance or payroll lending.
• Strong negotiation, persistence and communication skills.
• High integrity, attention to detail and ability to take ownership of a defined book.
• Computer literate and comfortable with loan systems.

Plus a performance bonus linked to improvement on your allocated portfolio.

• Manage an allocated portfolio of ~150 clients / ~K3 million book.
• Execute the full collections playbook for each client according to classification (A, B, C / non-performing).
• Perform daily/weekly contact, debit-order follow-up, PMEC queries, phone and field activity as required.
• Maintain accurate system notes and prepare complete files for legal hand-over when required.
• Report weekly portfolio movement to the Collections Manager.
• Ensure fair-treatment standards and regulatory compliance in all interactions.

• Strong negotiation
• Persistence
• Communication skills
• High integrity
• Attention to detail
• Ability to take ownership of a defined book
• Computer literacy
• Comfortable with loan systems

• Diploma or Degree in Banking, Finance, Business Administration or a related field.