Recoveries Officer

Location: Lusaka Department: Recoveries Officer Reports To: Chief Operations Officer Employment Type: Full-time About FundIt Capital Solutions FundIt Capital Solutions is a growing financial institution committed to empowering individuals and businesses through innovative and accessible financing solutions. We pride ourselves on responsible lending, operational excellence, and delivering sustainable value to our clients and stakeholders. About the Role We are seeking a proactive, results-oriented and professional Recoveries Officer to join our team in Lusaka. The successful candidate will manage overdue accounts, engage customers to secure timely repayment, negotiate sustainable payment arrangements and support the reduction of portfolio arrears while maintaining high standards of customer service, compliance and confidentiality. Key Responsibilities · Monitor assigned accounts and identify overdue obligations requiring follow-up. · Contact customers through approved channels to establish the reasons for non-payment and secure firm repayment commitments. · Negotiate realistic payment plans in line with company policies and delegated authority. · Follow up on payment promises and promptly escalate missed commitments or high-risk accounts. · Maintain accurate, complete and timely records of calls, correspondence, payment arrangements and account status. · Issue approved reminders, demand notices and other recovery correspondence. · Investigate account discrepancies and work with internal teams to resolve queries affecting repayment. · Recommend appropriate recovery actions, including restructuring, field visits, repossession or legal escalation, where applicable and authorised. · Prepare regular reports on collections, arrears, ageing, promises to pay, recoveries performance and emerging risks. · Meet agreed recovery targets and contribute to improvements in portfolio quality. · Handle customers fairly and professionally while protecting the organisation’s reputation.