Debt Recovery Officer at Mitchell Cotts

Debt Recovery Officer at Mitchell Cotts – Mitchell Cotts Kenya Job Details

The Debt Recovery Officer will manage long-outstanding debts, typically accounts aged 90+ days or over one year. The role covers debt recovery, collections follow-up, debt monitoring, restructuring discussions, client visits, preparation of portfolio performance reports, and accurate documentation of recovery actions.

Key Responsibilities

Debt Recovery and Follow-Up:

• Contact customers with overdue accounts via telephone, email, or other communication channels
• Discuss payment options and negotiate repayment plans that align with company policies
• Follow up on missed payments and escalate issues where necessary

Portfolio Management:

• Manage and prioritize a portfolio of delinquent accounts to ensure timely recovery
• Analyze customer repayment trends and identify high-risk accounts for escalation
• Monitor and track repayment progress to ensure compliance with agreed terms

Customer Engagement:

• Build professional and respectful relationships with customers to facilitate debt recovery
• Educate customers on repayment options and the consequences of default
• Handle customer queries, complaints, and disputes professionally and promptly

Compliance and Risk Management:

• Ensure all recovery activities comply with company policies, regulatory guidelines, and ethical standards
• Identify and report any potential risks in the recovery process
• Safeguard customer data and privacy in line with legal requirements

Reporting and Documentation:

• Maintain detailed records of all customer interactions, agreements, and recovery outcomes
• Prepare and submit regular reports on portfolio performance and recovery progress
• Update the debt recovery system with accurate and timely data

Skills & Core Competencies

• Strong negotiation, communication, and interpersonal skills
• Excellent organizational and time management abilities
• Familiarity with relevant consumer protection and debt collection laws
• Ability to work independently with minimal supervision
• Good record-keeping and reporting discipline
• Ability to work under pressure and meet deadlines

Professional Qualifications & Relevant Experience

• Diploma/Degree in Business, Finance, Law, or a related field (or equivalent experience)
• Minimum 2 years’ proven experience in debt collection, credit control, or recovery
• Experience in debt collection, customer service, credit control, or any related field

Personal Attributes

• High integrity and professionalism
• Resilience and persistence in handling challenging situations
• Strong problem-solving and decision-making skills

To apply: Send your application to [email protected] by Friday, July 24, 2026.