Baikal Financial Services Ltd
We are hiring a Collection Officer at Baikal Financial Services Ltd in Kampala, Uganda.
Key Responsibilities:
– Loan Collections & Recovery: Manage an assigned portfolio of loan customers to ensure timely repayments. Contact customers through phone calls, SMS, WhatsApp, and field visits. Achieve daily, weekly, and monthly collection targets. Monitor overdue accounts and initiate prompt recovery actions. Negotiate repayment arrangements and follow up on promises to pay (PTPs).
– Portfolio Management: Monitor portfolio performance and maintain portfolio quality. Identify early warning signs of default. Recommend corrective actions to minimize Portfolio at Risk (PAR). Track delinquency trends and provide recovery recommendations.
– Field Operations: Conduct field visits to customers in arrears. Verify customer residence and business locations. Perform skip tracing for customers who cannot be reached. Update customer and guarantor information. Maintain accurate records of all field activities.
– Asset Recovery & Repossession: Recover financed motorcycles, vehicles, and other financed assets. Conduct repossessions in accordance with company policies and applicable laws. Inspect recovered assets and prepare detailed reports. Coordinate secure transportation and storage of recovered assets. Liaise with law enforcement authorities when required.
– Customer Relationship Management: Build and maintain professional relationships with customers. Educate customers on their repayment obligations. Resolve collection-related concerns professionally. Ensure fair, ethical, and respectful treatment of customers.
– Reporting & Compliance: Prepare daily, weekly, and monthly collection and portfolio reports. Maintain accurate customer communication records.
– Fraud Prevention: Identify suspicious or fraudulent activities. Report suspected fraud immediately. Verify customer information during recovery activities. Support fraud investigations when required.
Qualifications & Requirements:
– Diploma or Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or a related field.
– Experience in collections, credit, banking, microfinance, or recovery operations is mandatory.
– Strong negotiation, communication, and interpersonal skills.
– Ability to work independently and achieve performance targets.
– Excellent problem-solving and customer service skills.
– Valid riding permit is mandatory.
– High integrity, professionalism, and attention to detail.
How to Apply:
Interested candidates should send their CV and Cover Letter to hr@baikalfinance.ug. Please use the subject line: Application – Collection Officer.
Application Deadline: 20-07-2026
