Job Advertisement: Recovery Agents (08 Positions)

Company: ENCOT Microfinance Limited
Employment Type: Full-time
Location: Kigumba, Nakasongola, and Kagadi branches
Application Deadline: 27th May 2024

Company Overview:
ENCOT Microfinance Limited (ENCOT) is a social impact, fast-growing, and innovative microfinance institution (MFI) serving over 36,000 clients in 17 districts of the Mid-Western and Central regions of Uganda. ENCOT operates a network of 10 branches located in Hoima, Masindi, Kigumba, Kagadi, Nakasongola, Kawempe, Luweero, Bweyale, Katikara, and Karuguuza. ENCOT’s mission is to provide microfinance services to low-income smallholder farmer communities, particularly women, to help them create their own paths out of poverty through job creation.

Position: Recovery Agents (08 Positions)

Locations: Kigumba, Nakasongola, and Kagadi
Note: All applicants MUST be residents of the branches they intend to apply to.

Purpose of the Position:
The Recovery Agent is responsible for reaching out to customers to collect payment for overdue bills, loans, or other payments. The Recovery Agent acts as a liaison between creditors and customers, managing overdue accounts. This position reports to the Recovery and Collections Manager. Payments will be on a commission basis.

Key Duties and Responsibilities:

  • Debt Recovery: Recover outstanding debt from customers.
  • Account Review: Review accounts behind on payments to determine appropriate action.
  • Customer Contact: Contact customers, collect overdue payments, and answer customer queries.
  • Negotiation: Discuss options with customers facing pending court action to come to mutually acceptable arrangements to prevent further litigation.
  • Liaison: Work with sales and operation teams to resolve customer queries/complaints.
  • Communication: Call customers using the telephone and utilize computer systems for skip tracing.
  • Organization: Create and organize lists of people who have not made payments according to the severity of delinquency.
  • Customer Interaction: Listen to customers’ narrations, determine debt collection possibilities, set up repayment plans, and offer advice or refer clients to the Recovery Manager. Record new commitments to repay debt.

Core Capabilities:

  • High level of honesty, integrity, and accountability.
  • Ability to achieve results with little supervision.
  • Effective communication skills (Written, Verbal, and Gesture) in English, Runyoro, and basic Kiswahili.
  • Attention to detail.
  • Ability to work in teams and build collaborative relationships.
  • Ability to work and live with rural communities, especially the poor and illiterate.
  • Willingness and ability to perform other duties as required.

Education and Experience:

  • Certificate in Social Work, Education, Business Administration, or any other related field.
  • Hands-on experience in debt collection or credit operations is an added advantage.

Application Procedure: Qualified and interested candidates should submit their applications in PDF format (Cover Letter, CV, and Copies of relevant academic documents) via email to or hand deliver to any of our branch offices. All applications should be addressed to:

The Human Resource Officer
ENCOT Microfinance Ltd
Plot 88 Port Road, Masindi
P.O. BOX 389, Masindi

Please note that any documents submitted for application purposes will not be returned. Only shortlisted candidates will be contacted.

Application Deadline: 27th May 2024

About ENCOT Microfinance:
Industry: Microfinance
Location: Masindi, Uganda

ENCOT is committed to fostering a diverse and inclusive work environment. Both male and female candidates are encouraged to apply. Share this job opportunity with your networks to help us reach more potential candidates.



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By Daniel

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