Field Collection Officer

Job Opening: Field Collection Officer (44 Positions) 

Sector: Financial Services

Employment Terms: Full-time

Compensation: Kshs. 15,300 + Performance Commissions

Work Locations: * Nairobi: (20 Posts)

• Coast Region: (11 Posts)

• Central/Eastern/North: Meru, Garissa, Wajir, Nyahururu, Isiolo, Nanyuki, Nyeri, Murang’a, Karatina, Kenol, Embu (13 Posts)

Job Purpose

The Field Collection Officer will be responsible for the proactive management of client loan portfolios to ensure high repayment rates. This is a high-mobility role requiring frequent travel to clients' homes and business premises to negotiate settlements, trace unresponsive debtors, and mitigate financial risk. We are looking for resilient, persuasive individuals who can balance firm recovery tactics with professional ethics to maintain the company’s financial health across multiple regions.

Key Performance Areas

Strategic Portfolio Recovery

• Manage an assigned client base to ensure all repayments are made within the stipulated timelines.

• Prioritize recovery actions by analyzing account aging and identifying high-risk profiles.

• Conduct intensive field visits to locate clients who have relocated or are avoiding communication.

• Execute tracing activities for "skip" accounts to minimize the rate of written-off debt.

Negotiation & Debt Settlement

• Engage with clients to understand obstacles to payment and negotiate viable settlement plans.

• Facilitate the collection of full or partial payments while maintaining a respectful but firm approach.

• Issue formal payment reminders and clearly articulate the consequences of non-compliance.

• Escort difficult or non-cooperative cases to the supervisory level for further legal or administrative action.

Risk Mitigation & Reporting

• Identify early red flags of potential default or fraudulent activity and report them immediately.

• Document every client interaction, field visit result, and payment commitment with high accuracy.

• Utilize mobile reporting tools to submit daily and weekly performance logs.

• Ensure all collected funds are handled according to strict company financial protocols.

Compliance & Market Outreach

• Adhere to the company’s code of conduct to ensure ethical collection practices at all times.

• Leverage local language proficiency to build rapport and improve recovery outcomes in specific regions.

• Collaborate with the credit team to refine preventive measures against future defaults.

Academic & Professional Background

• Education: Diploma or Degree in any field (Business-related disciplines are a plus).

• Experience: At least 1 year of hands-on experience in debt collection, credit control, or field-based recovery.

• Tech Literacy: Basic computer skills and the ability to navigate mobile-based reporting applications.

Essential Criteria

• Persuasion Skills: Exceptional negotiation, conflict resolution, and interpersonal communication abilities.

• Resilience: Ability to work independently in the field and meet aggressive recovery targets under pressure.

• Mobility: Willingness to travel extensively within the assigned geographic territory.

• Integrity: High level of discipline and honesty in handling sensitive financial information and assets.

Incentives & Perks

• Earning Potential: A monthly retainer of Kshs. 15,300 supplemented by an unlimited commission structure based on recovery success.

• Scale: Join a large-scale recruitment drive with opportunities for growth into supervisory roles.

• Regional Impact: Work within your local community or preferred region across Kenya.

Qualified candidates are invited to apply for the "Field Collection Officer" position, clearly indicating their preferred location in the application. Ensure your experience in field-based recovery is explicitly detailed in your CV.