Job Description

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.