Job Summary

Joinas Sacco wishes to recruit a competent individual to fill in the position of a Loan Recovery Officer. The Loan Recovery Officer will ensure that all loans are fully repaid in line with the credit related policies to prevent loss to the society due to non-repayment.

  • Minimum Qualification: Diploma
  • Experience Level: Mid level
  • Experience Length: 3 years

Job Description


  1. Monitor and follow up of the Loan Book through review of files and discussions with debtors on repayment plans. 
  2. Analyze and regularly review non-performing loans and initiate recovery plans 
  3. Carry out periodical visits to defaulters and delinquent customer’s securities and advice on the condition of the security; 
  4. Ensure the recovery exercise complies with credit policy and statutory regulations, 
  5. Liaise and monitor the execution of the recovery exercise by the external Service Providers 
  6. Maintain contacts and healthy relationship with customers and resolve any customer queries and complaints 
  7. Compile the required periodic loan recovery reports. 



  • Between 25-35 years of age 
  • KCSE C above 
  • CPA Part II, CCP or its equivalent 
  • Diploma in Credit Management or related course 
  • Holder of a diploma or bachelor’s degree in Cooperative Management/ Commerce or its equivalent from a recognized university 
  • Minimum three (3) years’ experience in debt recovery in a financial institution 
  • Adequate Knowledge in SACCOs and/or Micro-finance institutions 
  • Strong interpersonal, communication, negotiation, analytical, administrative and computer skills 
  • Self-motivated team player with proven ability to work with strict deadlines as well as to develop and maintain relationships 
  • Valid driving license with Class A (motor cycle) & B endorsement 
  • Valid certificate of good conduct 
  • Computer literate 



Interested and qualified candidates are invited to submit their hand written application letter, curriculum vitae and copies of relevant qualifications by Close of Business 15th/November/2019.

The Application should be addressed to:

The Chairman

Joinas Sacco Society Ltd

P.O Box 669-00219


Only shortlisted candidates will be contacted.

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