Portfolio Officer - Collections

LOANCO FINANCIAL SERVICES LIMITED

JOB

Collections Portfolio Officer

Location: Lusaka | Reports to: Collections Manager

Loanco Financial Services Limited is a Bank of Zambia licensed non-bank deposit-taking microfinance institution specialising in payroll lending. We are expanding our Collections team as the loan book grows.

The Role

The Collections Portfolio Officer owns a defined portfolio of approximately 150 clients across all classifications (performing, partial performing and non-performing). You are responsible for every required action on your allocated clients according to the classification playbook, with clear monthly measurement of improvement on your book.

Key Responsibilities

• Manage an allocated portfolio of ~150 clients / ~K3 million book.

• Execute the full collections playbook for each client according to classification (A, B, C / non-performing).

• Perform daily/weekly contact, debit-order follow-up, PMEC queries, phone and field activity as required.

• Maintain accurate system notes and prepare complete files for legal hand-over when required.

• Report weekly portfolio movement to the Collections Manager.

• Ensure standards and regulatory compliance in all interactions.

Requirements

• Diploma or Degree in Banking, Finance, Business Administration or a related field.

• Minimum 1–2 years’ experience in collections, debt recovery or credit control, preferably in microfinance or payroll lending.

• Strong negotiation, persistence and communication skills.

• High integrity, attention to detail and ability to take ownership of a defined book.

• Computer literate and comfortable with loan systems.

Remuneration

Competitive package aligned to market (basic salary range ZMW 11,000 – 13,000 depending on experience), plus a performance bonus linked to improvement on your allocated portfolio.

Send your CV and a brief cover letter to Innocent@loanco.africa with the subject line “Collections Portfolio Officer – [Your Name]” by 8 November 2026.

Only shortlisted candidates will be contacted. Loanco is an equal opportunity employer.