Purpose:

A financial services company is seeking a Junior Collections Officer who is responsible for managing early-stage delinquent accounts through outbound contact and administrative follow-up, while providing operational support to the Senior Collections Officer. The role focuses on first-time and early defaulters, accurate account maintenance, and the preparation of standard collections documentation, with more complex or continuous defaulters escalated appropriately

Key Job Outputs:

• Conduct outbound calls to early defaulters to follow up on overdue accounts
• Communicate outstanding balances, due dates, and payment expectations clearly
• Negotiate basic payment arrangements within approved guidelines
• Confirm and record promises to pay
• Escalate continuous, non-responsive, or complex defaulters to the Senior Collections Officer
• Assist with daily monitoring of the collections book
• Update account statuses based on payments, arrangements, or escalations
• Identify missed payments and broken arrangements for follow-up
• Capture and allocate repayments accurately on the system
• Assist with reconciliation of payments and investigation of discrepancies
• Ensure payment confirmations are recorded timeously
• Draft and issue settlement letters, paid-up letters, and payment arrangement confirmations
• Prepare account statements and supporting documentation as required
• Ensure all correspondence is accurate, professional, and compliant
• Adhere to internal collections policies and applicable legislation
• Treat customers fairly, professionally, and ethically at all times
• Maintain confidentiality of customer and company information
• Follow approval processes for settlements and payment arrangements
• Provide day-to-day support to the Senior Collections Officer
• Assist with basic reporting and data extraction
• Participate in coaching, training, and performance reviews

Core Competencies:

• Clear verbal and written communication skills
• Basic negotiation and problem-solving ability
• Strong attention to detail and administrative accuracy
• Ability to manage rejection and work to targets
• Computer literacy (CRM systems, Excel, email)
• Professional and confident telephone manner
• Organised and disciplined
• Ethical and compliant in approach
• Willing to learn and escalate appropriately

Qualifications:

• Matric (Grade 12) required

Experience:

• 2 years'+ experience in collections, call centre, or collections administration essential

Salary: Market related

Should you not hear from us within 2 weeks, kindly consider your application as unsuccessful.

All personal information received will be processed in accordance with The Protection of Personal Information Act No. 4 OF 2013