QSSU- CRO- COLLECTIONS AND RECOVERY OFFICER

Job Description

About This Job:

Q-Sourcing Limited trading as Q-Sourcing Servtec is a manpower management solutions firm operating in the East African Region in the countries of Uganda, Kenya, Tanzania, Rwanda, and South Sudan.

On behalf of our client in the Microfinance Industry, we are looking for a competent, skilled, and experienced Collections and Recovery Officer to work in Kampala.

Purpose of the job

To recover the company's loan portfolio in a timely manner through collections, remedial action and legal enforcement, so as to protect portfolio quality and minimise credit loss.

Main duties and responsibilities

Collections and portfolio management

• Meet the collections target by devising and executing collection strategies.

•Review the delinquent and non-performing portfolio regularly and develop strategies for timely remediation, collection or recovery.

•          Make regular and prompt follow-ups on delinquent loans, by phone and through client visits, and initiate strategies to mitigate losses.

•          Advise delinquent clients on payment options, including restructuring and rescheduling, within approved policy limits. Escalate waivers, write-off recommendations and other decisions beyond those limits to the Manager Collections.

•          Trace clients and guarantors who cannot be reached.

•          Implement remedial action that minimises the risk of credit loss to the company.

•          Participate in credit committee meetings and recommend accounts that need closer monitoring by the collections and recovery team.

Legal and recovery enforcement

•          Prepare and issue demand notices and other recovery correspondence to defaulting clients and guarantors.

•          Liaise with advocates and court brokers on legal action, litigation and enforcement, and track each case to conclusion.

•          Coordinate the enforcement, repossession and disposal of securities, including work with auctioneers.

•          Ensure that loan documentation and securities for the non-performing and written-off portfolio are in place, valid and up to date.

•          Liaise with internal and external stakeholders to keep collection and recovery efforts effective and efficient.

Compliance, reporting and data

•          Ensure compliance with prudential requirements and internal policy on loan classification and impairment in the non-performing assets book.

•          Update credit reference bureau records accurately and on time.

•          Conduct all collections in an ethical, lawful and respectful manner, and handle client complaints arising from recovery activity.

•          Protect client information in line with data protection requirements.

•          Submit a weekly collections report for all branches to the Manager Collections, with proposed actions on non-performing loans.

•          Respond to data-related queries and help make collections data and processes more efficient.

•          Perform any other duties assigned by the Manager Collections that fit the role.

Key performance areas

Performance is measured against targets set by the Manager Collections, covering:

•          Collection rate against the agreed target

•          Portfolio at risk (PAR) and non-performing loan ratio

•          Recoveries on written-off loans

•          Promises to pay honoured

•          Timeliness and accuracy of weekly reports

•          Completeness and currency of documentation and securities on delinquent accounts

•          Compliance with policy, regulatory and ethical standards in recovery

Qualifications and competencies

Goldmine Finance prefers a collections officer with a recovery background. A law qualification is an advantage, not a requirement.

Education

•          Required: A bachelor’s degree in finance, banking, business, accounting, law or a related field.

•          Preferred: an LLB together with a Postgraduate Diploma in Legal Practice from the Law Development Centre (LDC).

Experience

•          Required: a minimum of 2 years in collections, recovery, credit or microfinance.

•          Preferred: a recovery background, including follow-up on delinquent loans and work with advocates or court brokers.

Knowledge

•          Debt recovery practice and the laws governing microfinance and money lending in Uganda, including the Tier 4 Microfinance Institutions and Money Lenders Act, 2016.

•          Loan security, contract and data protection requirements relevant to recovery.

•          Loan management system: no prior experience needed, as full training will be provided.

Skills

•          Critical thinking and problem solving

•          Negotiation and dispute resolution

•          Risk assessment and mitigation

•          Ability to interpret legislation, regulations and legal precedents (an advantage for candidates with a legal background)

•          Excellent written and verbal communication in English; Luganda and other local

Languages are an added advantage.

•          Basic computer literacy; Excel is an advantage, and the loan management system and reporting tools are taught on the job.

Required attributes and working conditions

Required attributes

•          Integrity and honesty

•          Confidentiality

•          Firm but respectful and approachable with clients

•          Resilient under pressure

•          Organised and systematic

•          Attention to detail

•          Agile and able to adapt quickly

•          Team player

Working conditions

•          Based in Kampala, with regular client visits and travel to branches or upcountry as needed.

•          Transport is provided for all work-related travel.

•          Training on the loan management system and internal

All candidates who meet the criteria outlined above are encouraged to apply under the job vacancy “QSSU- CRO- COLLECTIONS AND RECOVERY OFFICER.”

 Application link:

Note:

The deadline for applications is not later than 08:00 AM Thursday, 1st October,2026

Only shortlisted applicants will be contacted.

Q-SOURCING SERVTEC IS AN EQUAL OPPORTUNITY EMPLOYER. ANY SOLICITATION WILL LEAD TO DISQUALIFICATION.