Loan Recovery Officer

Kolomoni Microfinance Bank (Gambia) Limited is a CBG-licensed microfinance institution serving customers across The Gambia through a growing branch network. We are recruiting Recovery Officers to strengthen our Credit & Recovery function.

You will manage a portfolio of customers with overdue loans making contact visiting businesses in the field establishing why repayment has stalled negotiating realistic commitments within approved limits and following through until the account is back on track. It is a field-facing target-driven role with real accountability from the first month.

WHAT YOU WILL DO

• Follow up assigned customers with overdue repayments by telephone SMS and field visit.
  
• Secure clear repayment commitments and follow them through to payment.
  
• Visit customers to confirm business status and identify available repayment sources.
  
• Spot early warning signs and escalate high-risk accounts promptly.
  
• Maintain accurate recovery records that reconcile with the Banks systems.
  
• Deliver against monthly recovery portfolio-quality and activity targets.
  

WHAT WE ARE LOOKING FOR

• WAEC/WASSCE as a minimum; a diploma or degree in a business finance or related discipline is an advantage.
  
• 01 year of experience. Fresh graduates and school leavers are encouraged to apply.
  
• Exposure to microfinance banking collections sales customer service or field operations is an advantage.
  
• A confident communicator who can hold a difficult conversation without damaging the relationship.
  
• Comfortable working in the field and willing to travel within the assigned area.
  
• Numerate well organised resilient and personally accountable for results.
  
• Unquestionable integrity the role handles customer information and financial commitments daily.