QSSU- CRO- COLLECTIONS AND RECOVERY OFFICER

Job
Description

About This
Job:

Q-Sourcing Limited trading
as Q-Sourcing Servtec is a manpower management solutions firm operating in the
East African Region in the countries of Uganda, Kenya, Tanzania, Rwanda, and
South Sudan.

On behalf of our
client in the Microfinance Industry , we are looking for a competent , skilled, and
experienced Collections and Recovery Officer to work
in Kampala.

Purpose of the job

To recover the company's loan
portfolio in a timely manner through collections, remedial action and legal
enforcement, so as to protect portfolio quality and minimise credit loss.

Main duties and responsibilities

Collections and portfolio
management

• Meet
the collections target by devising and executing collection strategies.

•Review
the delinquent and non-performing portfolio regularly and develop strategies
for timely remediation, collection or recovery.

• Make
regular and prompt follow-ups on delinquent loans, by phone and through client
visits, and initiate strategies to mitigate losses.

• Advise
delinquent clients on payment options, including restructuring and
rescheduling, within approved policy limits. Escalate waivers, write-off
recommendations and other decisions beyond those limits to the Manager
Collections.

• Trace
clients and guarantors who cannot be reached.

• Implement
remedial action that minimises the risk of credit loss to the company.

• Participate
in credit committee meetings and recommend accounts that need closer monitoring
by the collections and recovery team.

Legal and recovery enforcement

• Prepare
and issue demand notices and other recovery correspondence to defaulting
clients and guarantors.

• Liaise
with advocates and court brokers on legal action, litigation and enforcement,
and track each case to conclusion.

• Coordinate
the enforcement, repossession and disposal of securities, including work with
auctioneers.

• Ensure
that loan documentation and securities for the non-performing and written-off
portfolio are in place, valid and up to date.

• Liaise
with internal and external stakeholders to keep collection and recovery efforts
effective and efficient.

Compliance, reporting and data

• Ensure
compliance with prudential requirements and internal policy on loan
classification and impairment in the non-performing assets book.

• Update
credit reference bureau records accurately and on time.

• Conduct
all collections in an ethical, lawful and respectful manner, and handle client
complaints arising from recovery activity.

• Protect
client information in line with data protection requirements.

• Submit
a weekly collections report for all branches to the Manager Collections, with
proposed actions on non-performing loans.

• Respond
to data-related queries and help make collections data and processes more
efficient.

• Perform
any other duties assigned by the Manager Collections that fit the role.

Key performance areas

Performance is measured against
targets set by the Manager Collections, covering:

• Collection
rate against the agreed target

• Portfolio
at risk (PAR) and non-performing loan ratio

• Recoveries
on written-off loans

• Promises
to pay honoured

• Timeliness
and accuracy of weekly reports

• Completeness
and currency of documentation and securities on delinquent accounts

• Compliance
with policy, regulatory and ethical standards in recovery

Qualifications and competencies

Goldmine Finance prefers a collections
officer with a recovery background. A law qualification is an advantage, not a
requirement.

Education

• Required :
A bachelor’s degree in finance, banking, business, accounting, law or a related
field.

• Preferred: an LLB together with a Postgraduate Diploma in Legal Practice from the Law
Development Centre (LDC).

Experience

• Required:
a minimum of 2 years in collections, recovery, credit or microfinance.

• Preferred:
a recovery background, including follow-up on delinquent loans and work with
advocates or court brokers.

Knowledge

• Debt
recovery practice and the laws governing microfinance and money lending in
Uganda, including the Tier 4 Microfinance Institutions and Money Lenders Act,
2016.

• Loan
security, contract and data protection requirements relevant to recovery.

• Loan
management system: no prior experience needed, as full training will be
provided.

Skills

• Critical
thinking and problem solving

• Negotiation
and dispute resolution

• Risk
assessment and mitigation

• Ability
to interpret legislation, regulations and legal precedents (an advantage for
candidates with a legal background)

• Excellent
written and verbal communication in English; Luganda and other local

Languages are an added advantage.

• Basic
computer literacy; Excel is an advantage, and the loan management system and
reporting tools are taught on the job.

Required attributes and working
conditions

Required attributes

• Integrity
and honesty

• Confidentiality

• Firm
but respectful and approachable with clients

• Resilient
under pressure

• Organised
and systematic

• Attention
to detail

• Agile
and able to adapt quickly

• Team
player

Working conditions

• Based
in Kampala, with regular client visits and travel to branches or upcountry as
needed.

• Transport
is provided for all work-related travel.

• Training
on the loan management system and internal

All candidates who meet
the criteria outlined above are encouraged to apply under the job vacancy “QSSU-
CRO- COLLECTIONS AND RECOVERY OFFICER . ”

Application
link:

Note :

The deadline for
applications is not later than 08:00 AM Thursday, 1st October,2026

Only shortlisted
applicants will be contacted.

Q-SOURCING
SERVTEC IS AN EQUAL OPPORTUNITY EMPLOYER. ANY SOLICITATION WILL LEAD TO
DISQUALIFICATION.