afb (African Finance Business) is a consumer finance providing ethical credit services to those who require it most.
We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt.
Our customers are mainly small businesses and entrepreneurs who use our
credit to grow their businesses and provide for the unforeseen.
Our customers are our partners.
We operate in their markets through 6-man micro branches to provide tailored relationship-based services.
Our vision is to become the number one retail finance firm in Africa by
offering the best services in terms of accessibility, affordability,
value and customer experience.
afb seeks to recruit for Commissions based Collection Agents
Responsibilities and Requirements
Responsibilities
To recover the maximum amount of outstanding debt from
defaulting customers with the objective of recovering the full due
amount
Make contact with defaulting customers either by calling or
visiting them with an aim of negotiating a settlement of the arrears
Monitoring collection accounts allocated on a daily basis and
take appropriate actions to ensure that the collection portfolio remains
within accepted limits through the application of sound credit
judgement within policy guidelines.
To investigate and resolve any customer queries and complaints
through verbal or written correspondence in line with afb policies.
To achieve the monthly collection targets.
Research, verify and review customer location information and make recommendations concerning whereabouts of these customers.
Communication whether written or oral to be in line with the afb quality standards.
To be at work on time and send required reports
Other ad hoc tasks as defined by the Collections Manager/field CL
Identify and escalate deceased or disabled customers to collections management for review or collection termination.
Perform field visits and submit reports/action plans to recover debt.
Work closely with the branches on their bad debt portfolio
Utilize various skip tracing techniques and collection
strategies (often designed by employee) to locate right parties in order
to negotiate payment arrangements on high collect-ability or value
accounts.
Overcome stalls and objections & suggest money sources for debt payment.
Negotiate settlements within normal guidelines stipulated in the policy.
Requirements
Collections experience
Experience in a microfinance, bank or any other financial institution
A good level of general education- Diploma or degree
Computer literacy
Fluent in English (written and verbal) and Swahili
Key Competencies
Customer Handling
Sales and Business Development
Enforcement of contract and repayment obligations
Administrative Support
General support to all tasks
Communications
Branch Operations
Information Collection
Personal Attributes
Integrity and ability to work in consumer finance
High Motivation
Self-starter-functional problem solver
Process discipline- Ability to follow SOPs
If you are interested and meet the above requirements and competencies,
kindly send your cv and cover letter detailing your suitability for the
position applied for to smartcashcareers@afb.co.ke. by 31st October
Remember to indicate commissions-based Collector in the subject header.
This position is commissions-based and individuals will be hired on a contractual basis
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