Relationships:

·       Ensures Branch Credit team carry out prompt follow up and recoveries of non-performing loans.

·       Ensures loan recovery activities are carried out in accordance with the EFL credit policy and procedures.

·       Advises and guides Management and Branches on loan collection plan/activities to be carried out for daily recovery non-performing loans.

·       Supports the Recovery Manager in preparing cases for handover to external debt collectors and legal action.

·       Supports and follows up with assigned court bailiffs’ auctioneers and other debt recovery agents and advises management on all allocated loans.

·       Ensures strict adherence to the delinquency policy across all designed branches.

·       Provides debt recovery support to Branches by carrying out field visits in Branches and engaging with defaulting customers.

·       Ensures the designated Branches maintain proper record of loan recovery activities including demand notices, recall letters etc.

·       Prepares reports on debt collection for presentation to the Recovery manager and/or management

·       Must be able and willing to ride a motorcycle and should possess a valid riding license or willing to learn within the first month when appointed.

·       Should be fluent in the commonly used local languages and ready to work in any of our branches.

·       Should be below 30 years.

·       Excellent communication and negotiation skill.

·       Knowledge of Microsoft excel for data entry and analysis is essential and mandatory.

·       Self-driven and result – oriented.

·       Demonstrate the highest level of ethical behavior.

·       Remain flexible to adapt to changes in work environment.

·       Maintain confidentiality of sensitive information.

·       Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy.

·       Basic computer skills, including e-mail, word processing and spreadsheets.

·       Excellent interpersonal skills to facilitate interaction with the clients and other staff.

·       Maturity, honesty, integrity and a strong sense of ethics

·       Demonstrated ability to remain calm in stressful situations.

·       Patience and understanding.

·       To be persuasive, persistent and firm.