Debt Management Officer

Job Summary


The Debt Management Officer is responsible for recovering outstanding debts from delinquent customers, managing the memorandum and debt loss database, and overseeing debt resolution processes.
This role involves close collaboration with field teams (DCRC gangs), regular reporting, and supporting the achievement of recovery targets in line with company goals.


Key Responsibilities


Drive debt recovery efforts from indebted customers within assigned coverage areas.
Manage the memorandum and debt loss database to ensure data accuracy and integrity.
Review and process repayment proposals received from relevant branches.
Supervise and coordinate the activities of DCRC field recovery teams.
Monitor and support the execution of recovery strategies to achieve set targets.
Conduct daily recovery calls and prepare call memos to document field visits.
Handle customer negotiations and resolution processes, including discounts on old debts.
Track customer payment instalment reports and ensure timely follow-up.
Facilitate manual customer requests for arrears settlement and instalment payment arrangements.
Recommend disconnection or service stoppage for highly delinquent customers in line with policy.
Locate delinquent customers and implement agreed recovery actions.
Generate and submit daily, weekly, and monthly debtors reports for management review.
Support continuous improvement initiatives in debt recovery operations.


Qualifications & Requirements


Bachelor’s Degree in Social Sciences, or a related field.
Minimum of 1 - 3 years experience.
Strong interpersonal, negotiation, and communication skills.
Ability to work independently and manage field recovery teams.
Proficiency in Microsoft Office Suite (Excel, Word and PowerPoint).
Strong analytical and report-writing skills.


Key Competencies:


Results-oriented with a focus on target achievement.
Attention to detail and strong organizational skills.
Customer-centric with problem-solving ability.
Handle deadline pressure and manage field operations.
Good understanding of regulatory and legal dimensions of debt recovery processes.