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ASSOCIATE RECOVERIES SPECIALIST – CONTRACTUAL POSITION – LUSAKA JOB SUMMARY The role requires meticulous execution of Off-Payroll, Doubtful, and Bad Debt collection processes within the Recoveries Department, ensuring accuracy, timeliness, and full regulatory compliance. Key responsibilities include managing client accounts for Off-Poll, Doubtful, and Bad Debt by monitoring portfolios, engaging with customers at their base level, conducting tracing efforts (both field and skip tracing), maintaining detailed records, adhering to legal requirements, and producing comprehensive reports. JOB SPECIFICATIONS Paragraph: Maintaining consistent and proactive follow-ups with clients classified under Bad Debt, Doubtful, or Off-Payroll categories to ensure ongoing engagement and relationship management. Furnish formal correspondence, notices, or legal documents to Bad Debt or Doubtful Off-Payroll clients as required. We perform on-site visits and client tracing operations. Monitor assigned loan portfolios and detect loan accounts that have entered delinquency. Adhere to all financial sector regulations, stringent data privacy standards, and consumer protection laws in every recovery action undertaken. The role involves managing bad debt, addressing queries from doubtful off-payroll and arrear clients, and ensuring prompt escalation and resolution of these issues. We are responsible for developing and compiling collections and related performance reports. MINIMUM ENTRY REQUIREMENTS Holders of the Full Grade 12 School Certificate, inclusive of five (5) ‘O’ Levels, with Mathematics and English as mandatory subjects, are required for this position. A bachelor’s degree in banking, Business Administration, Finance, Economics, or any related business discipline is required. A minimum of two years of professional experience in either Collections/Recoveries or the Financial Services industry, specifically within Banking or Microfinance, is required. OTHER SKILLS AND ATTRIBUTES Proven ability to effectively manage and engage with stakeholders at all levels, coupled with exceptional interpersonal and communication capabilities. Accurate and proficient data entry capabilities alongside meticulous attention to detail are essential. Able to maintain thorough and accurate documentation and records. Excellent interpersonal skills Proficient in both English and local languages to ensure clear and effective communication and active listening in diverse settings. Demonstrated capability to meet tight deadlines while maintaining high standards of accuracy and efficiency. Proven ability to identify solutions and manage escalation processes effectively. Excellent negotiation skills Integrity, accountability, and confidentiality. TO APPLY Qualified applicants are required to submit their applications, accompanied by their updated CVs and relevant professional or academic certificates. [Click the Apply button below to apply, and Create my CV to build a CV tailored to this offer, professionally] . The deadline for submitting applications is Wednesday 15 July 2026 Shortlisted applicants will receive communication regarding their application status.
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