Job Summary

The Debt Collection Agent to contact defaulting customers by calling and visiting them with an aim of negotiating settlement of the arrears

  • Minimum Qualification: Diploma
  • Experience Level: Entry level
  • Experience Length: 2 years

Job Description

4G Capital (4th Generation Capital) is Africa’s fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses and entrepreneurs who use our credit to grow their businesses and provide for the unforeseen.

We seek to recruit a Debt Collection Agent


  1. Ensure all work queues are acted upon.
  2. Contact defaulting customers by calling and visiting them with an aim of negotiating settlement of the arrears
  3. Ensure allocated accounts are monitored on a daily basis and appropriate actions taken to ensure that the collection portfolio remains within accepted limits through the application of sound credit judgment within policy guidelines.
  4. Investigate and resolve any customer queries and complaints through verbal or written correspondence in line with 4G policies.
  5. Achieve the monthly collection targets.
  6. Identify and escalate deceased or disabled customers to collections management for review or collection termination.
  7. Perform field visits and submit reports/action plans to recover debt.
  8. Work closely with the units and the call centre on the bad debt portfolio

Other duties include:

  1. Conduct field visit assessment before visiting the market areas.
  2. Manage relationships with local authorities and Security Officers.
  3. Plan and organize field collection drives across all branches.
  4. Flag BFCs to be forwarded to the EDC for action


  • 2 years’ work experience in debt collection
  • Experience in microfinance, bank or any financial institution
  • A good level of general education- Diploma or degree
  • Computer literacy
  • Education background in sales/Marketing

Key Competencies

  • Customer Handling
  • Sales and Business Development
  • Enforcement of contract and repayment obligations
  • Administrative Support
  • General support to all tasks
  • Communications
  • Small Branch Operations
  • Information Collection

Personal Attributes

  • Integrity and ability to work in consumer finance
  • High Motivation
  • Self starter-functional problem solver
  • Process discipline- Ability to follow SOPs
  • Ideal candidate should possess strong negotiation and persuasion skills

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