Collections Officer Central-Zone at Field Intelligence

Key Responsibilities

Collections Management

• Manage assigned customer portfolio and collection targets.
• Conduct daily collection follow-ups through calls, visits, and digital channels.
• Track due and overdue accounts.
• Ensure customers make payments on or before due dates.
• Maintain accurate collection records.

Delinquency Management & Recovery

• Monitor delinquent accounts and implement recovery actions.
• Manage early-stage delinquency.
• Recover aged debts (31–60, 61–90, 90+ days).
• Negotiate repayment arrangements.
• Recommend legal recovery, restructuring, suspension, or write-off.

Field Collections & Customer Engagement

• Conduct physical visits to delinquent customers.
• Verify customer operations and business continuity.
• Identify repayment challenges and recommend solutions.

Portfolio Monitoring

• Monitor portfolio aging and delinquency trends.
• Identify accounts showing signs of deterioration.
• Escalate high-risk accounts promptly.

Reporting & Governance

• Prepare daily, weekly, and monthly collection reports.
• Maintain accurate customer and repayment records.
• Ensure compliance with company policies.

Required Qualifications

Education

Bachelor’s degree or HND in:

• Accounting
• Finance
• Business Administration
• Economics
• Banking & Finance

Experience

• 1–3 years’ experience (Collections / Credit / Sales / Field Recovery preferred)

Experience in:

• FMCG or pharmaceutical distribution is a strong advantage
• Trade credit / dealer financing / micro-lending environment is highly relevant
• Field-based experience is required

Credit & Collections Skills

• Portfolio monitoring and aging analysis (0–30, 31–60, 61–90, 90+ days)
• Debt recovery and negotiation techniques
• Understanding of PAR (Portfolio at Risk)
• Customer repayment behavior tracking
• Credit limit monitoring and enforcement

Field Operations Skills

• Ability to conduct physical customer visits (pharmacies, hospitals, PPMVs)
• Verification of customer business activity
• Recovery activities

Financial Skills

• Basic accounting interpretation (invoices, statements, ledgers)
• Cash flow tracking and reconciliation
• Understanding of repayment schedules and instalment structures

Reporting & Systems

• Daily/weekly collections reporting
• Use of Excel (must-have)
• CRM / ERP systems

Behavioural & Soft Skills

Negotiation & Influence

• Ability to recover payments without damaging customer relationships
• Managing difficult debt conversations professionally

Relationship Management

• Strong customer engagement with pharmacies, hospitals, and distributors
• Ability to balance enforcement and retention

Discipline & Accountability

• Strong adherence to collection targets
• High integrity in handling cash and receivables

Resilience & Field Readiness

• Comfortable with travel (North, West, East territories)

Portfolio Control Discipline

• PAR 30 control (very critical KPI in your JD)
• Early delinquency intervention (before 30 days overdue)

Ideal Candidate Profile

An ideal collections officer should be:

• Finance / business graduate with field experience
• Highly comfortable with travel and customer confrontation
• Strong in Excel and reporting discipline
• Experienced in credit recovery or FMCG/pharma sales-credit environments
• KPI-driven and performance-accountable