Portfolio Officer

KEY RESPONSIBILITIES Portfolio monitoring: Track the device loan portfolio daily, including current, overdue, suspended and defaulted accounts. Delinquency management: Follow up overdue accounts by aging category and act early on customers showing signs of repayment difficulty. Recovery coordination: Work with Agents, RSMs and field teams on defaulted accounts and ensure recovered devices are documented and reconciled. Payment follow-up: Monitor promises-to-pay, repayment arrangements and guarantor follow-ups, and verify reported payments with Finance. Risk and fraud control: Identify high-risk accounts and report suspected fraud, false customer information or irregularities. Data accuracy: Reconcile portfolio records across the company system, Finance and Agent records, and resolve discrepancies. Complaints and disputes: Investigate portfolio-related customer complaints such as balance or payment disputes. Reporting: Prepare daily, weekly and monthly portfolio, aging and collection reports with recommendations to management. REQUIREMENTS Diploma or Bachelor’s degree in Finance, Accounting, Banking, Business Administration or a related field. At least 1–2 years’ experience in credit, loan portfolio management, collections or microfinance. Strong analytical and reporting skills, with good working knowledge of MS Excel. Excellent communication and negotiation skills in Kiswahili and English. High integrity, attention to detail and ability to handle confidential information. Experience in device financing or asset-based lending is an added advantage. Ability to drive with a valid driving licence is an added advantage.