Portfolio Officer

KEY RESPONSIBILITIES • Portfolio monitoring: Track the device loan portfolio daily, including current, overdue, suspended and defaulted accounts. • Delinquency management: Follow up overdue accounts by aging category and act early on customers showing signs of repayment difficulty. • Recovery coordination: Work with Agents, RSMs and field teams on defaulted accounts and ensure recovered devices are documented and reconciled. • Payment follow-up: Monitor promises-to-pay, repayment arrangements and guarantor follow-ups, and verify reported payments with Finance. • Risk and fraud control: Identify high-risk accounts and report suspected fraud, false customer information or irregularities. • Data accuracy: Reconcile portfolio records across the company system, Finance and Agent records, and resolve discrepancies. • Complaints and disputes: Investigate portfolio-related customer complaints such as balance or payment disputes. • Reporting: Prepare daily, weekly and monthly portfolio, aging and collection reports with recommendations to management. REQUIREMENTS • Diploma or Bachelor’s degree in Finance, Accounting, Banking, Business Administration or a related field. • At least 1–2 years’ experience in credit, loan portfolio management, collections or microfinance. • Strong analytical and reporting skills, with good working knowledge of MS Excel. • Excellent communication and negotiation skills in Kiswahili and English. • High integrity, attention to detail and ability to handle confidential information. • Experience in device financing or asset-based lending is an added advantage. • Ability to drive with a valid driving licence is an added advantage.