Reporting to the Recovery Manager, the Recovery Officer will be responsible for:
- Reviewing non-performing loan book and developing appropriate
strategies to ensure timely recovery of amounts due, with minimum loss
exposure.
- Bringing overall debt recovery knowledge and overall structuring and
management of credit facilities.
KEY RESPONSIBILITIES
- Meeting set Collections and Recoveries targets.
- Delinquency management to below the regulatory requirement.
- Based on overall assessment of the NPL book and debt recovery
success rate, critically reviewing all non-performing facilities and
development of appropriate strategies to ensure K-Unity recovers the
amounts due in an efficient and cost-effective manner.
- On a case-by-case basis, assessing K-Unity positioning and its
ability to recover the amounts due without forced realization of
securities held as far as possible. This includes detailed negotiations
with the defaulting clients for facilities re-structure, where possible,
to maintain customer goodwill.
- Planning and closely coordinating the debt recovery process with
various stakeholders, including Lawyers, Valuers and Auctioneers amongst
others, to avoid undue delay and recovery costs escalation.
- For cases in court, ensuring the relevant evidence in support of
K-Unity case is properly documented and shared with the key stakeholders
in good time, ahead of court appearances. Representing K-Unity as a
witness as and when required.
- Where K-Unity is represented in court by other witnesses, ensuring
these witnesses are well prepared with information and absolute clarity on
the background of each case.
- Providing periodic reports to the Recovery Manager on the status of
each non-performing facility, with clear recommendations on the way
forward or closure.
- This is not a complete statement of all duties and responsibilities
of this post; you may be required to carry out other duties as directed by
the Supervisor.
KNOWLEDGE, SKILLS AND
EXPERIENCE
Formal
Education:
- Bachelor’s degree in finance, accounting, banking, or any other
business-related field.
- Professional qualification in Credit e.g., C.C.P is an added
advantage.
- Professional qualifications in accounting will be an added
advantage.
- 2 years progressive working experience in debt recovery in a bank or
financial institution.
- Knowledge of debt recovery and realization process
- Strong analytical skills.
- Excellent negotiation skills.
- Effective communicator – both verbally and in writing.
- Strong interpersonal skills.
- Focused and self-driven
- Attentive to detail.
Skills
Technical
Skills
- Excellent Analytical skills
- Excellent Report writing skills
- Good Negotiation skills
- Superb Customer service skills
- Good Planning and Organizing skills
How to Apply
Deadline;
Saturday 21st February
2026
