Debt Recovery Officer at Consolidated Bank of Kenya

Debt Recovery Officer at Consolidated Bank of Kenya – Consolidated Bank of Kenya Kenya Job Details

About the Role

Consolidated Bank of Kenya is recruiting a Debt Recovery Officer to join its collections and recoveries team. This is a full-time position based in Kenya, reporting directly to the Debt Recovery Manager. The successful candidate will take ownership of the bank’s non-performing loan portfolio, working across debt recovery, asset monitoring, restructuring negotiations, and court-related matters. Banking jobs in Kenya demand professionals who can balance assertive collection tactics with relationship management—this role sits at that intersection.

As a Debt Recovery Officer at Consolidated Bank of Kenya, you will manage a portfolio of overdue loans and secured facilities, liaising with internal teams and external service providers to recover outstanding amounts. Your work will directly impact the bank’s asset quality and financial performance. The role combines office-based analysis, debtor engagement, field visits, and legal coordination across banking in Kenya’s competitive landscape.

Key Responsibilities

• Negotiate settlements and arrange amicable repayment agreements with debtors assigned to your portfolio or branch.
• Initiate and maintain contact with borrowers, conduct client visits, and document all interactions thoroughly.
• Work with the Debt Recovery Manager to file and oversee repossession proceedings when security has been pledged; monitor repossession agents to ensure timely execution of orders.
• Recommend to management the engagement of investigators to trace additional assets when repayment defaults occur and shortfalls are anticipated.
• Coordinate with external partners—debt collection agencies, legal counsel, auctioneers, and investigators—tracking compliance with issued instructions.
• Collaborate with the Legal department on the preparation and issuance of statutory demand letters and court documents.
• Maintain comprehensive debtor files with detailed notes on correspondence, face-to-face meetings, and telephone discussions.
• Represent the bank in court proceedings as a witness when required; provide supporting documentation and evidence to lawyers handling the bank’s cases.
• Review and assess provisions and interest suspense accounts on sub-standard, doubtful, and loss-classified accounts in line with Central Bank prudential guidelines.
• Prepare timely and accurate non-performing loan reports for management review.

Requirements & Qualifications

• Bachelor’s degree in Law, Finance, Commerce, Economics, Accounting, Banking, or a related business field.
• Professional certification in Law, Credit Management, or Debt Collection (preferred).
• Minimum three years’ experience in debt recovery, collections, or portfolio management within a bank or regulated financial institution.
• In-depth knowledge of Kenyan lending legislation, credit agreements, and regulatory requirements governing loan portfolio management.
• Advanced proficiency in Microsoft Excel and data analysis techniques for loan performance tracking.
• Strong interpersonal and communication skills; demonstrated ability to negotiate effectively with borrowers under pressure.
• Excellent planning, organization, and analytical abilities with proven problem-solving capability in complex recovery scenarios.

What to Expect

• A structured working environment with clear reporting lines to the Debt Recovery Manager and defined performance targets.
• Regular interaction with borrowers, legal professionals, and external service providers; occasional travel for debtor visits and court appearances.
• Access to credit management systems and bank tools for portfolio tracking, reporting, and case documentation.
• The Debt Recovery Officer at Consolidated Bank of Kenya position in Kenya is open to qualified candidates. Click Apply below to submit your application.

Method of Application

Please note that applications with the position applied for clearly indicated on top of the envelope together with a detailed Curriculum vitae and copies of academic and professional certificates, should be HAND DELIVERED or sent through COURIER/POST OFFICE to the Bank’s Head Office located at Consolidated Bank House, Koinange Street, 6th Floor on or before Tuesday, 26th May 2026 at 5.00 pm and addressed to:

The Head of Human Resources
Consolidated Bank of Kenya Limited
P.O. Box 51133 – 00200
NAIROBI