Collections and Recovery Officer

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).

• 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.