Credit and Collection Officer

Grameen Foundation


Date: 2 weeks ago
City: Remote
Contract type: Full time
Remote
  • Delinquent

Account Recovery

  • Manage and collect assigned delinquent accounts, particularly those over 180 days past due and endorsed PAR accounts.
  • Conduct field visits to follow up with clients, assess repayment capacity, and negotiate payment arrangements.
  • Implement collection strategies in line with approved recovery plans and guidance from the AM.
  • Prioritize high-risk and high-value accounts to maximize recovery efficiency.
  • Account Validation & Client Engagement
  • Verify client identity, address, and business status through field validation and interviews.
  • Confirm loan details, outstanding balances, and repayment history with clients.
  • Secure written commitments or repayment agreements from clients when applicable.
  • Require completion of official forms for clients unable to meet payment obligations, stating valid reasons for non-payment.
  • Skip Tracing & Case Investigation
  • Utilize skip-tracing techniques to locate clients who have relocated or are unresponsive.
  • Gather relevant information from community networks, references, and available records to support recovery efforts.
  • Report cases requiring escalation due to fraud, misrepresentation, or inability to locate clients.
  • Legal Coordination & Case Endorsement
  • Endorse unresolved or non-cooperative accounts to the AM for legal action
  • Coordinate with the Legal Officer and follow collection protocols aligned with legal proceedings.
  • Support documentation requirements for small claims or other legal recovery actions as needed.
  • Cash Handling & Remittance
  • Collect payments strictly in accordance with company policies and approved procedures.
  • Issue Official Receipts (ORs) for all collections.
  • Deposit all collections daily to the official GPMI bank account or turn over collections and complete documentation to the Branch Finance and Administrative Assistant (BFAA).
  • Ensure zero discrepancies between collections, receipts, and deposited amounts.
  • Monitoring, Reporting & Documentation
  • Maintain an updated record of assigned accounts, including collection status and client interactions.
  • Prepare and submit daily and weekly collection reports to the AM.
  • Ensure all collection activities, agreements, and transactions are properly documented and recorded in the system.
  • Regularly review account statuses to ensure accuracy and completeness of records.
  • Client Relations & Professional Conduct
  • Address client inquiries and complaints professionally and respectfully.
  • Uphold ethical collection practices and avoid coercive or non-compliant behavior.=
  • Represent the organization positively in all client and community interactions.

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