About the RoleReporting to the Debt Recovery Manager, the ideal candidate is responsible for collections of defaulted portfolio, racing & recovery of all SunCulture assets assigned on credit but defaulted, issuance of Demand letters in the field & initiation of repossession rights on all non-performing credits above Sunculture's PAYG credit policy guidelines.Key ResponsibilitiesBe accountable for reducing delinquency for assigned accountsEnsure allocated accounts are monitored on a daily basis and appropriate actions are taken to ensure that the collection portfolio remains within acceptable limits through the application of sound credit judgment within SunCulture PAYG credit policy guidelines.Investigate and resolve any customer queries and complaints through verbal or written correspondence in line with SunCulture PAYG credit policies.Issue out demand letters at field level to defaulters with the aim to get payments back to normalcy.Record new commitment to repay the debt (PTPs), determine if the debt can be collected, and accordingly recommend/initiate the recovery process.Contact defaulting customers either by calling or visiting them with an aim of negotiating a settlement of the arrears.Initiate repossession of SunCulture assets as necessary.Achieve the monthly collection targets as assigned by the supervisorIdentify and escalate deceased or disabled customers to the Head of Credit for review or collection termination.Ensure all work queues are acted upon.Conduct field visit assessment before visiting the market areas.Manage relationships with local authorities and Security OfficersPlan and organize field collection drives across all regionsConduct monthly reporting as per portfolio performance on delinquency.QualificationsAt least 3-6 years work experience in debt collection in microfinance, the solar industry, or a related organizationKnowledge of relevant legal requirements and processes in microfinance and credit collections environment or any other financial institutionEvidence of well-developed organizational skills and the ability to meet deadlines.Integrity and ability to work in consumer finance with small scale farmers across KenyaSound verbal communication skills include the ability to negotiate respectfully and communicate the rationale for decisions made.Target driven, self-starter, and problem solverDemonstrated ability to follow policy and procedures.Sound judgment, analytical, and decision-making skills.Accuracy and attention to detail.Demonstrated ability to quickly learn new systems and processes. Demonstrated commitment to service excellence.Proficiency in GSuite, Microsoft Office
