RECOVERY OFFICER

Joinas DT Sacco Society Ltd. is a Deposit Taking Sacco licensed and regulated by the Sacco Societies Regulatory Authority (SASRA). In line with its growth and portfolio improvement strategy, the Sacco invites applications from qualified, competent, and highly motivated individuals to fill the position of Recovery Officer.

Recovery Officer

Reporting To: Credit in Charge

Duties & Responsibilities

1. Ensure all loans advanced are recovered as per schedule.

2. Loan Monitoring and Portfolio Performance.

• Monitor Credit Portfolio for compliance with performance requirements.
• Review Status of each loan against original repayment expectations.

3. Recovery of Non-Performing Loans (NPL).

·       Manage NPLs and take appropriate recovery actions.

·       Promptly recover delinquent loans as per loan agreement and Credit Policy.

4. Collection of all loan related revenues

·       Ensure that all interest related revenues are collected.

·       Collect all fines and penalties accruing on default or delinquency.

·       Ensure all loan related fees are collected.

5. Loan Restructuring (Extensions and Modifications).

·       Review Loan Restructuring requests, access necessity and feasibility for such requests.

·       Make recommendations for approval by Credit in Charge.

6. Reporting and Provisioning.

·       Regularly report overall portfolio performance.

·       Liaise with Credit in Charge to ensure that necessary provisioning is done as per the regulatory requirement.

 7. Customer Service.

·       Maintain a positive and professional relationship with Customers and business partners for effective credit management.

·       Ensure requisite credit information sharing and referencing with subscribed Reference Bureau and regulatory requirements.

8. Any other duties assigned.

Qualifications & Skills

• Business related diploma or its equivalent.
• CPA PART 2 – Professional Qualification in credit management will be an added advantage.
• At least 3 years’ experience in debt recovery.
• Proficiency in Ms. Office suite.
• Possess excellent analytical skills.
• Possess excellent communication and interpersonal skills.
• Be of exemplary integrity and honesty.
• Be proactive and have initiative.
• Be Firm and Assertive.

How to apply

Candidates who meet the above requirements should either, drop their applications at JOINAS SACCO SOCIETY LTD offices or Send an Email to hr@joinassacco.com. Ensure to attach copies of academic and professional certificates, testimonials, detailed curriculum vitae and National ID not later than Friday 3rd February 2026. Current and expected salary should be quoted in the application letter. Due to numerous numbers of applications received, only shortlisted candidates will be contacted. Applications should be addressed to:

THE CHAIRMAN

JOINAS SACCO SOCIETY LTD

 P.O BOX 669-00219 KARURI.