Granary Capital Ltd is a Credit Only micro finance company licensed to carry out the business of providing a wide range of financial services.

Reporting to               :Debt Collector  Manager

Other Relationships  : Marketing, Credit, Customer Service, HR, Finance , Operations & IT

Job Description Summary

Debt collector will effectively manage the company’s credit/Debit policy and minimize overdue debtor’s balances.

Roles and Responsibilities

• Utilize various tracing techniques and strategies to collect personal information of customers with outstanding debts.
• Contact customers with balances and negotiate payment terms and schedules.
• Minimize objections for payment and suggest available customer-friendly payment options.
• Negotiate extended payment plans and the best course of action for customers seeking to avoid further debts
• Use the provided plat forms  to keep detailed records regarding conversations with customers and outcomes.
• Offer clients several payment options and arrange for the prompt repayment of balances.
• Communicate with management and other team members about methods and strategies to ensure a positive rate of customers agreeing to repay their debts.
• Follow up all outstanding debts for customer accounts that have
  defaulted in liaison with operations maanger and branch manager.
•  Handle disputed issues and negotiate to bring payment within the agreed terms.

Minimum qualifications, experience & competencies required:

• 1-3 years collection experience preferred
• Excellent communication and negotiation skills
• Ability to positively connect with clients and encourage them to make payments toward debts owed
• Time management skills are essential to complete all required client calls daily
• Experience meeting retention and negotiation sales goals
• Basic computer software skills and the ability to work within relevant data spreadsheets
• Ability to work well in a fast-paced environment
• Attention to detail and the ability to reason and think quickly is essential for negotiating effectively
• Strong attention to detail, goal oriented and a team player with a flexible approach