Job Title: Delinquency Officer

Role Overview: Spectrum Credit is seeking a Delinquency Officer responsible for ensuring repayment of non‑performing loans through proactive client engagement. The role involves physically visiting clients, making follow‑up calls, sending text reminders, and negotiating repayment arrangements with delinquent borrowers. The job holder will primarily operate in the field, executing hands-on strategies to recover overdue loans while maintaining professional client relationships.

Location/ Branch: Lusaka HQ

Key Responsibilities:

• Check system records to confirm non‑performing loans, identify underlying issues, and propose practical repayment solutions.
• Engage clients proactively by conducting physical visits, calls, texts, and emails to negotiate repayment plans and secure commitments.
• Maintain positive client relationships by providing advice and support to help clients manage debt responsibly and sustain payments.
• Track customer payments, ensure compliance with agreed arrangements, and prevent defaults.
• Follow established collection processes while identifying areas for improvement to enhance performance and customer satisfaction.
• Update system with accurate notes after each client interaction, document agreements, and support preparation of performance reports.
• Provide daily updates to the Delinquency Manager, including insights on recovery progress and collection trends.

Requirements:

• Diploma or Bachelor’s degree in Business Administration, Finance, or related field; debt recovery training/certification is an added advantage.
• Minimum 1 year in a similar debt recovery or collections role.
• Ability to engage clients clearly and persuasively.
• Capacity to negotiate repayment solutions effectively.
• Maintaining professionalism and empathy in client interactions.
• Knowledge of debt collection legislation and adherence to professional standards.
• Proficiency in Excel, debt management systems, and report writing.

How to Apply

If you are passionate about the role and driving business success, we’d love to hear from you!

1. Attach your CV, Professional and Academic qualifications, copy of NRC as one file

2. The file name should follow this format: Name_Position_Location

3. Send to jobs@spectrumcreditltd.com

ENSURE YOU CLEARLY STATE THE JOB TITLE YOU ARE APPLYING FOR IN THE SUBJECT LINE.

Application deadline: 30th June 2026

ONLY SHORTLISTED

CANDIDATES WILL BE CONTACTED FOR AN INTERVIEW