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Recovery Agents job at ENCOT Microfinance

About the Organization

Founded in 2006, ENCOT is a microfinance institution that provides financial services for low-income people in Uganda so that they can create their own jobs, increase household incomes and improve their livelihoods.

Job Description

This position is responsible for reaching out to customers to collect payment for overdue bills, loans, or other payments. The Recovery agent acts as a liaison between creditors and customers and manages overdue accounts. This position reports to the Recovery and Collections Manager. Payments will be on Commission basis.

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Duties and Responsibilities

  • To recover outstanding debt from our customers.

  • To review accounts that is behind on their payments to determine appropriate action.

  • To contact customers, collect overdue payments and answer customer queries.

  • To discuss options available to customers who are facing pending court action in order to come to mutually acceptable arrangements which prevent further litigation action.

  • To liaise with sales and operation teams to resolve customer queries/complaints.

  • To call customers using telephone and utilize computer systems to handle skip tracing.

  • To create a list of people who have not made payments and organize a list according to severity of delinquency.

  • To listen to customers’ narrations and determine if debt can be collected, set up repayment plans and new terms of sale, offer advice or refer clients to the Recovery Manager and Record new commitment to repay debt.

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Qualification, Experiences and Competencies

  • High level of honesty, integrity and accountability.

  • Ability to achieve results with little supervision.

  • Communicating effectively (Written, Verbal and Gesture) in English, Runyoro and basic Kiswahili.

  • Good attention to details.

  • Ability to work in teams and build collaborative relationships.

  • Ability to work and live with rural communities especially the poor and illiterate.

  • Willingness and ability to perform other duties as may be required from time to time.

How to Apply

Qualified and interested candidates should submit their applications in PDF format (Cover Letter, CV and Copies of relevant academic documents) by email to or hand deliver to any of branch. All applications should be addressed as below:
The Human Resource Officer
ENCOT Microfinance Ltd
Plot 88 Port Road, Masindi
P.O. BOX 389, Masindi
Any documents submitted to ENCOT for application purposes shall not be recalled.
Please note that only shortlisted candidates will be contacted.

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