Debt Recovery Specialist

2 months ago


Johannesburg, South Africa Jobted ZA C2 Full time

Job Title: Debt Recovery Specialist

Position Overview:

The Debt Recovery Specialist plays a key role in driving cash flow and minimizing risk for clients by proactively recovering outstanding debts. This position requires an individual who can balance effective communication with a strong understanding of debt recovery processes, legal compliance, and client relationship management. The specialist will work closely with Credit Risk Advisors to ensure that all debt collection efforts are conducted efficiently, while maintaining excellent customer relations throughout the process.

Key Responsibilities:

- Debt Recovery & Collection:
Proactively engage with clients to recover outstanding debts using a variety of collection strategies, including telephonic communication, formal letters, and follow-up actions. Maintain clear records of interactions and update the system with details of communication and progress.

- Legal & Compliance Management:
Handle legal files and manage the legal aspects of debt recovery, including preparing documentation for attorney handover, ensuring compliance with legal processes, and tracking critical deadlines. Liaise with attorneys, insurers, and other relevant parties to ensure smooth processing of legal cases.

- Customer Communication & Satisfaction:
Build and maintain positive relationships with clients and debtors, providing regular updates on the progress of debt recovery. Address customer concerns in a professional and empathetic manner to facilitate resolution.

- Documentation & System Management:
Ensure all actions, communications, and documents are accurately captured and updated in the system. Manage collection reports and assist with generating ad-hoc reports for clients as needed.

- Collaboration & Reporting:
Work closely with the Credit Risk Advisors to assess the status of cases, escalate issues when necessary, and collaborate on strategies to improve debt recovery processes. Provide regular reports on collections activity and legal progress to internal teams and clients.

- Insurance Claims:
For insured clients, manage the process of lodging claims, ensuring all required documentation is submitted to insurers within specified timelines. Maintain up-to-date records of insurance-related activities and payments.

- Operational Efficiency:
Continuously strive to improve personal and team performance. Adhere to company standards, processes, and best practices to ensure efficient debt collection operations.

Key Competencies & Skills:

- Communication:
Strong verbal and written communication skills are essential for managing relationships with clients, debtors, attorneys, and insurers.

- Problem Solving & Conflict Resolution:
Ability to handle difficult situations, mediate disputes, and negotiate payment terms in a fair yet assertive manner.

- Attention to Detail:
Ensure all documentation, communications, and system entries are accurate and up to date.

- Resilience & Patience:
Demonstrate persistence and empathy when dealing with challenging situations, and maintain a positive approach even in stressful circumstances.

- Organizational Skills:
Capable of managing multiple cases and priorities simultaneously while meeting deadlines and maintaining high-quality work.

- Legal Understanding:
Basic knowledge of the legal processes involved in debt recovery, including timelines and documentation requirements.

- Technology Proficiency:
Strong computer skills, with the ability to navigate debt recovery management systems, Microsoft Office (Word, Excel, PowerPoint, Outlook), and other relevant software tools.

Qualifications & Experience:

- Experience:
At least 1-3 years of experience in debt collection, credit control, or a related field. Experience in a legal environment is advantageous.

- Education:
An NQF qualification, diploma, or degree is preferred but not mandatory. More importantly, the role requires someone who is driven by the values of integrity, respect, accountability, and a commitment to delivering results.

Personal Attributes:

- A strong work ethic and a sense of responsibility.
- Compassion, empathy, and the ability to navigate sensitive situations.
- A proactive mindset with the ability to anticipate challenges and take the initiative.

Why This Role is Exciting:

- Impact: The Debt Recovery Specialist directly contributes to the financial health of clients by recovering outstanding debts and minimizing risk.
- Growth: The role offers continuous opportunities to improve skills and develop expertise in credit risk management and legal collections.
- Culture: Work in a supportive and collaborative team environment that values trust, respect, and personal development.



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