Collections and Recovery Officer

About the role

Q-Sourcing Servtec, a manpower management firm operating across East Africa, is recruiting a Collections and Recovery Officer in Kampala on behalf of its microfinance client. The purpose of the job is to recover the company's loan portfolio in a timely manner through collections, remedial action and legal enforcement, protecting portfolio quality and minimising credit loss.

Key responsibilities

• Meet collections targets by devising and executing collection strategies and reviewing the delinquent and non-performing portfolio regularly.
• Follow up on delinquent loans by phone and client visits, advise clients on payment options such as restructuring, and escalate waivers and write-offs beyond policy limits to the Manager Collections.
• Trace clients and guarantors who cannot be reached and implement remedial action.
• Prepare demand notices and other recovery correspondence, liaise with advocates and court brokers on litigation and enforcement, and coordinate repossession and disposal of securities with auctioneers.
• Ensure loan documentation and securities for non-performing and written-off accounts are valid and up to date.
• Ensure compliance with prudential requirements and internal policy on loan classification and impairment, update credit reference bureau records, and handle client complaints while protecting client data.
• Submit a weekly collections report to the Manager Collections and respond to data queries.

Required profile

• Bachelor's degree in finance, banking, business, accounting, law or a related field.
• Minimum of 2 years in collections, recovery, credit or microfinance; a recovery background is preferred.
• Advantageous: an LLB and a postgraduate diploma in legal practice from the Law Development Centre.
• Knowledge of debt recovery practice and the laws governing microfinance and money lending in Uganda, including the Tier 4 Microfinance Institutions and Money Lenders Act, 2016.
• Integrity, confidentiality, resilience under pressure, attention to detail and ability to work with clients respectfully.

Required skills

• Negotiation, dispute resolution and risk assessment.
• Ability to interpret legislation 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.

The role is based in Kampala with regular client visits and travel to branches or upcountry, with transport provided for work-related travel. Training on the loan management system is provided. Applications close on 1 October 2026 at 08:00 AM, and only shortlisted applicants will be contacted.