Collection Officer

Overview

CUD Micro Credit Limited is a financial technology company located in Ghana, West Africa. CUD Money Lending is a fast, easy and convenient way to access credit. We are also licensed by the Bank of Ghana and trusted by thousands of satisfied customers. We seek to become the global standard for digital lending and mobile payments

We provide capital to customers  a value proposition of removing barriers to credit, use of alternative data (transaction data of customers) for credit scores, automated lending with affordable rates. Our credit is accessible, instantly underwriting and disbursing loans to our customers.


Responsibilities

  • Coordinate efforts to collect debts with sales, accounting, and legal departments.
  • Create plans and strategies for collecting debts.
  • Adhering to financial laws on the regulation of debt collection.
  • Contact and communicate effectively with debtors by phone to negotiate and implement debt recovery plans.
  • Search publicly available databases to track down people who default on debt, perform background checks and issue loan documents.
  • Prevent repeated payment negligence by working out practical debt payments.
  • Negotiate settlements to receive payments on certain percentages of debt.
  • Maintain electronic records and hard copies of all payment plans, amounts paid, and communications.
  • Deliver statements of delinquencies and satisfied debts to credit bureaus and remove outdated records when debts have been satisfied.
  • Initiate repossession and other legal proceedings if debt recovery plans fail.
  • Advising on repayment plans that are appropriate for the degree of debt and the circumstances of the consumer.
  • When necessary, escalating calls to supervisors.
  • Legislative guidelines of the Privacy Act must be followed.
  • Entering data and keeping correct records is a must.
  • Work in accordance with key performance metrics.

Required Qualifications, Skills and Competences

  • University graduates and high school leavers are preferred.
  • Apt in negotiation and persuading
  • 1+ years of experience in debt collection
  • Adhere to all government laws and regulations
  • Strong verbal, written, and interpersonal skills
  • Confident and brave personality to approach and work with disagreeable defaulters
  • Patient and resilience at all time of the conversation with customers and executing your task.
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