Relationship Officer – Debt Recovery at Africa Management Solutions Limited (AMSOL)

Key Responsibilities

• Follow up on delinquent and nonperforming loan accounts to ensure timely debt recovery.
• Coordinate debt collection and recovery activities in line with organizational policies and recovery procedures.
• Maintain updated records and documentation for all recovery and collection activities.
• Support implementation of remedial actions aimed at improving portfolio quality and reducing nonperforming loans.
• Engage customers professionally to negotiate repayment arrangements and settlement plans.
• Coordinate with branch lending teams to monitor and improve portfolio performance.
• Work closely with external debt recovery service providers including auctioneers, investigators, valuers, and debt collectors.
• Monitor adherence to service level agreements by external recovery partners.
• Support collateral realization and statutory recovery processes in accordance with legal and regulatory requirements.
• Conduct portfolio analysis and prepare recovery performance reports for management review.
• Escalate complex recovery cases and highrisk accounts to management for action.
• Ensure safe custody and confidentiality of loan and recovery files.
• Support closure of audit findings and compliance issues within the debt recovery function.
• Maintain compliance with CBK prudential guidelines, internal policies, and debt recovery procedures.
• Protect customer rights while ensuring effective debt recovery and risk mitigation.
• Participate in departmental initiatives, selfdevelopment activities, and continuous process improvement programs.

Qualifications & Requirements

• Bachelor’s Degree in Business Administration, Finance, Banking, Economics, Law, or a related field.
• Certification in Credit Management, Debt Recovery, or related professional courses will be an added advantage.
• Minimum of 2 years’ relevant experience in lending, collections, or debt recovery within a financial institution.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Good understanding of debt recovery processes, portfolio management, and lending operations.
• Knowledge of CBK Prudential Guidelines and the Auctioneers Act will be an added advantage.
• Strong negotiation, communication, and interpersonal skills.
• Ability to work under pressure and deliver recovery targets within strict timelines.
• Strong analytical, organizational, and reporting skills.
• Proficiency in Microsoft Office applications and loan management systems.

Key Competencies

• Debt recovery and collections management
• Portfolio quality monitoring
• Negotiation and conflict resolution
• Customer relationship management
• Credit and lending knowledge
• Analytical and problemsolving skills
• Compliance and risk management
• Communication and interpersonal skills
• Attention to detail and record management
• Time management and resilience under pressure