Logbook Loan Sales Team Leader

Role Overview

This position focuses on recovering outstanding balances on logbook-secured loans by contacting borrowers who have fallen behind on their payment schedules. You will manage a portfolio of overdue accounts, assess each customer’s financial situation, and work toward realistic repayment solutions that satisfy both the borrower and the lender. Your day-to-day efforts directly influence the company’s cash flow and default rates, making persistence and clear communication essential to success.

Key Responsibilities

• Contact borrowers by phone, email, or SMS to follow up on overdue logbook loan accounts and determine reasons for non-payment.
• Negotiate repayment plans, partial settlements, or revised terms based on each customer’s ability to pay while keeping the loan agreement’s conditions in mind.
• Maintain accurate records of every interaction, payment promise, and outcome in the collections system.
• Work toward individual and team recovery targets by prioritising accounts according to age, balance, and risk level.
• Educate customers about their loan obligations and the potential consequences of continued default, including repossession of the logbook-secured vehicle.
• Escalate accounts that remain unresolved to management or legal action when internal negotiation efforts have been exhausted.
• Provide updates on portfolio performance, collection challenges, and process improvements to supervisors.

Requirements & Qualifications

• At least one year of hands-on experience in debt collection, credit recovery, or loan collections, preferably in a consumer lending environment.
• A solid understanding of logbook loans and the wider lending process, including how vehicle-backed credit works and the risks involved.
• Proven ability to chase overdue payments, handle pushback or difficult conversations, and still achieve monthly recovery targets.
• Strong negotiation skills, with the confidence to structure realistic repayment terms that benefit both the borrower and the lender.
• Excellent verbal and written communication skills, including the ability to explain loan terms clearly and document account activity accurately.
• Basic computer literacy, including experience with spreadsheets or a collections management system.