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  • Posted: Apr 23, 2018
    Deadline: Apr 30, 2018
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    Culminate consulting RC1052798 is a professional service firm into the business of Recruitment, Training, HR outsourcing and outdoor advertisement (Brands & Communication). The company was established in 2012 has since then worked extensively across diverse sectors of the economy ranging from Telecommunication, Banking &Finance, Information Technolog...
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    Credit & Recovery Analyst

    Job Description

    This role will report to the Risk Manager and work with the Manager and will be responsible for maintaining a complete debt collection portfolio, and for working with delinquent clients to resolve non-performing loans. The successful candidate will also be working with the credit to assess credit applications to identify suitability of affordability.

    Responsibilities

    • Supervise work at all levels (receptionists, kitchen staff, maids, office employees etc.) and set clear objectives
    • Recovering bad debts from delinquent debtors. 
    • Working with the Risk Manager to assess credit applications 
    • Perform detailed analysis on applications with reference to approved policies to assess suitability and affordability of applicants 
    • Working with Credit Controllers to contact debtors to pursue payment. 
    • Devising customized recovery strategy on a case-by-case basis 
    • Making outbound collection calls to debtors. 
    • Reducing the non-performing loans owed to a company. 
    • Manage relationship with external collection agencies 
    • Designing and negotiation payment plans for debtors 
    • Following up with clients on previous payment arrangements. 
    • Locating and establishing contact with debtors and guarantors. 
    • Maintaining accurate, up-to-date customer account information. 
    • When necessary liaising with Lawyers, Bailiffs, Enforcement agencies. 
    • Negotiating settlements with clients. 
    • Taking ownership of debt collection cases and collateral where required. 
    • Maintaining appropriate and comprehensive records of all customer discussions. 
    • Reporting daily, weekly and monthly progress against targets to Management 

    Skills and Competencies

    Debt Collection

    • Knowledge of proper and ethical debt collection techniques.
    • Ability to quickly build a picture of a customers’ personal circumstances and needs.
    • Strong negotiating, counselling, and problem solving skills.
    • Experience of collecting first and third party accounts.
    • Working knowledge of Microsoft Office Suites Word, Excel and Access.
    • Ability to be discreet while working with confidential information.
    • Able to work well as a team and on own initiative.

    Personal Skills:

    • Strong attention to detail. Having a keen sense of urgency.
    • Excellent listening ability and superb questioning techniques.
    • Always accurate and on time in completing duties.

    Areas of Expertise

    • Debt Collection
    • Issue Resolution
    • Credit Analysis
    • Negotiation

    Qualifications/Requirements

    • Minimum of Degree in Finance, Economics, Business Administration, Statistics, ICT etc. from a reputable University
    • Customer relationship management skills
    • Ability to work with little or no supervision
    • Minimum of 2 years working experience in retail credit, risk and recovery.
    • Problem Solving, Critical reasoning, detail oriented
    • Excellent verbal, presentation and writing skills

    Method of Application

    Interested and qualified candidates should send their CV's to admin@culminateconsulting.com  with the relevant position applied for as the subject of the mail.

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