Progressiv Credit is currently seeking applications from qualified and motivated individuals to fill the role of Debt Recovery Officer – Mobile Money. This is a full-time position based at the Home Office within the Mobile Money Department, reporting directly to the Team Leader – Mobile Money.
The role is critical in supporting the company’s mobile lending operations by ensuring timely recovery of outstanding loans, maintaining customer relationships, and safeguarding the organization’s financial health. Debt recovery officers play a key role in maintaining operational sustainability, as effective collections ensure that mobile lending platforms remain accessible and viable for both the company and its customers.
This opportunity is designed for individuals with a strong background in credit management and debt recovery, particularly in the context of mobile or digital lending. The position provides a platform for the successful candidate to apply their professional skills in communication, negotiation, and compliance while working in a fast-paced environment where meeting daily, weekly, and monthly targets is essential.
Position Overview
Job Title: Debt Recovery Officer – Mobile Money
Division/Branch: Home Office
Department: Mobile Money
Reports To: Team Leader – Mobile Money
Job Type: Full-time
Experience Level: Intermediate
Application Deadline: September 15, 2025
The primary purpose of this position is to oversee and implement effective debt recovery processes for overdue mobile money loans. The officer will be responsible for contacting customers, negotiating repayment arrangements, escalating unresolved issues, and ensuring compliance with both company policies and regulatory standards.
Purpose of the Role
The Debt Recovery Officer – Mobile Money is responsible for the administration and execution of debt recovery strategies that reduce delinquency rates, improve repayment compliance, and enhance customer understanding of loan obligations. This role serves as a direct link between the company and its borrowers, ensuring that customer repayment journeys are managed in a manner that is fair, transparent, and aligned with best practices in financial services.
Key Responsibilities
The responsibilities of the Debt Recovery Officer – Mobile Money are diverse and require a high degree of professionalism, persistence, and customer service orientation. The key responsibilities include:
- Customer Contact and Follow-Up
- Proactively reach out to customers with overdue mobile loan repayments through phone calls, SMS, and other approved communication channels.
- Maintain professionalism in all interactions while encouraging timely repayment.
- Document all communications accurately to ensure up-to-date records of each borrower’s repayment status.
- Negotiation and Repayment Arrangements
- Engage customers in constructive dialogue to agree on repayment schedules that comply with company policies and debt recovery guidelines.
- Develop repayment plans that balance the financial realities of customers with the company’s need to reduce outstanding debts.
- Ensure all repayment negotiations are recorded and followed up systematically.
- Achievement of Collection Targets
- Consistently work towards achieving daily, weekly, and monthly recovery targets as outlined by the department.
- Monitor personal performance against set objectives and adjust collection strategies to maximize results.
- Report on performance outcomes to the Team Leader in scheduled reviews.
- Escalation of Problematic Accounts
- Identify and escalate accounts that are non-responsive, disputed, or pose a risk to the company’s loan portfolio.
- Collaborate with supervisors and other team members to determine the most appropriate next steps for difficult cases.
- Provide well-documented case reports to support escalation decisions.
- Customer Education and Awareness
- Clearly explain loan terms, repayment obligations, and the consequences of defaulting to customers.
- Promote financial literacy by helping customers understand the importance of timely repayment.
- Support customer retention by building trust and fostering transparency during discussions.
- Compliance and Confidentiality
- Adhere to established data protection protocols to safeguard customer information.
- Ensure all debt recovery activities comply with applicable legal, regulatory, and ethical standards.
- Uphold confidentiality in handling sensitive customer and company information.
Minimum Requirements
Candidates interested in this position should meet the following minimum requirements:
- Diploma in Business, Finance, Customer Service, or a related field.
- One to three years of professional experience in debt recovery and credit management.
- Demonstrated experience in debt collection, preferably within mobile loans or digital lending platforms.
- Strong negotiation, communication, and interpersonal skills.
- Proficiency in Microsoft Office applications, with particular emphasis on Excel.
- High levels of integrity, motivation, and a proven ability to meet targets.
Personal Attributes
The role requires specific personal attributes that ensure success in debt recovery functions. These include:
- A strong background in credit management and debt collection practices.
- Excellent verbal and written communication skills to interact effectively with customers.
- Strong negotiation skills to secure repayment agreements that align with company policies.
- The ability to build and maintain positive relationships while addressing overdue accounts.
- Self-discipline, persistence, and resilience in working towards set collection targets.
Importance of the Role
The Debt Recovery Officer – Mobile Money role is central to maintaining the health of the company’s loan portfolio. With mobile lending being one of the fastest-growing financial services, managing risk through effective debt collection is vital. By ensuring high repayment rates, the officer not only protects the company from losses but also supports customers in maintaining access to credit services in the future.
This role also contributes to strengthening the company’s reputation as a responsible lender by demonstrating fairness, transparency, and professionalism in dealing with borrowers. Debt recovery is not simply about collections but also about ensuring customers remain engaged and empowered to manage their financial obligations effectively.
Reporting Structure
The officer reports directly to the Team Leader – Mobile Money. The reporting line ensures accountability, provides support for escalated cases, and allows for consistent performance reviews. The department encourages teamwork, knowledge sharing, and collaboration in addressing repayment challenges, which helps in achieving both individual and collective targets.
Work Environment
The Debt Recovery Officer – Mobile Money will be based in the Home Office environment, which is structured to support collaborative work, timely reporting, and effective supervision. The role demands high levels of phone-based communication, data recording, and system updates. Candidates should expect a dynamic work setting where adaptability and efficiency are essential.
Application Process
Interested candidates are invited to submit their application and CV to the email address provided: [email protected]. Applications should be sent no later than September 15, 2025.
Only shortlisted candidates will be contacted for the next steps in the recruitment process.
