Debt Management Officer at ETC Workforce Services Limited

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.