Collections Officer
Malu Capital
Job Description
Collections Officer (x2) – Malu Capital.
About Malu Capital
Malu Capital is a fast-growing microfinance institution committed to promoting financial inclusion by providing accessible financial solutions to individuals and businesses across Zambia. The institution is dedicated to responsible lending, excellent customer service, and maintaining a healthy loan portfolio through professional and ethical financial practices.
Malu Capital is inviting applications from qualified, motivated, and results-oriented individuals to fill the position of Collections Officer.
About the Role
As a Collections Officer, you will play a key role in managing overdue loan accounts, supporting loan recovery efforts, and maintaining strong customer relationships. The successful candidates will work closely with borrowers to negotiate repayment arrangements while ensuring compliance with company policies and ethical debt collection practices.
Key Responsibilities
Contact customers with overdue loan accounts through phone calls, SMS, emails, and field visits.
Follow up on missed loan repayments and negotiate suitable repayment plans.
Achieve assigned collection targets while maintaining positive customer relationships.
Monitor assigned loan portfolios and identify high-risk or delinquent accounts.
Escalate accounts requiring legal action or management intervention.
Educate customers on their repayment obligations and respond professionally to enquiries.
Prepare daily, weekly, and monthly collection performance reports.
Maintain accurate records of customer interactions and debt recovery activities.
Conduct field visits to verify customer information and trace unreachable clients.
Ensure compliance with company policies, financial regulations, and ethical collection standards.
Minimum Qualifications
Applicants should possess:
Diploma or Bachelor's Degree in Business Administration, Accounting, Economics, or a related field.
At least one (1) year of experience in loan collections, debt recovery, credit administration, customer service, or a similar role.
Experience within a microfinance institution or financial services environment will be an added advantage.
Proficiency in Microsoft Office applications.
Required Skills and Competencies
The ideal candidate should demonstrate:
Strong negotiation and communication skills.
Excellent problem-solving and analytical abilities.
High level of integrity, professionalism, and confidentiality.
Strong organizational, time management, and report-writing skills.
Ability to work under pressure and consistently achieve collection targets.
Customer-focused approach with the ability to work both independently and as part of a team.
Excellent attention to detail.
Job Summary
Employer: Malu Capital
Position: Collections Officer (2 Positions)
Location: Lusaka, Zambia
Employment Type: Full-time
Industry: Microfinance / Financial Services
How to Apply
- Click the Apply via Email button above.
- Your default email application will open (e.g Gmail,Outlook ).
- Attach your Application letter, updated Curriculum Vitae (CV) with at least two professional referees.
- Add any required certificates (e.g Grade 12 school certificate, Diploma or Degree certificate(s))or supporting documents (e.g Recommendation letters).
- Use a professional subject line such as Application for Collections Officer.
- Send your application before the closing date.
- Note: Only shortlisted candidates will be contacted.
Important Notice
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