The Repayments Associate is responsible for managing end-to-end collections and compliance for a designated portfolio of Chancen Members under the Income Share Agreement (ISA) model. The role ensures high repayment performance, maintains Portfolio at Risk (PAR) below 3%, and drives early-stage intervention through structured advisory and data-driven risk identification. You will work within a supportive and entrepreneurially driven organization that offers ethical financing for African youth to access quality tertiary education.
Key Responsibilities
Debt Recovery & Transition Management
Manage the transition of members from training to repayment phase through structured pre-graduation engagement.
Maintain accurate trackers for graduation timelines and repayment start dates.
Coordinate with Operations and Member Affairs teams to ensure readiness for pre-graduation sessions.
Capture and update all engagement data in Customer Relationship Management (CRM) and Core Banking System within 24 hours.
Portfolio Management
Own and manage a portfolio of members, ensuring consistent follow-up on repayments.
Drive collections through calls, SMS, email, and field engagement where necessary.
Maintain 100% accuracy of member data, payment records, and audit trails.
Monitor portfolio aging and proactively address early delinquency.
Execute compliant handovers of delinquent accounts to external debt collectors and maintain an up-to-date record of all steps followed to ensure compliance with legal and regulatory frameworks.
Ensure all activities align with company policies and regulatory frameworks.
ISA Advisory & Compliance
Conduct structured ISA advisory sessions covering financial assessment, obligation reinforcement, and structured repayment plans.
Ensure 100% monthly employment verification for all employed members.
Identify early risk signals and implement preventive interventions.
Improve first-time compliance rates through proactive engagement.
Reporting & Analytics
Prepare and present weekly, monthly, and quarterly portfolio reports.
Analyze repayment trends and propose strategies to maintain PAR ≤ 3%.
Track key metrics: compliance rate, escalation rate, and resolution timelines.
Flag and escalate high-risk or non-compliant cases promptly.
Members’ Communication and Support
Provide clear guidance on ISA obligations, repayment structures, and compliance requirements.
Handle sensitive conversations with professionalism, empathy, and firmness.
Offer basic financial counselling to support sustainable repayment behavior.
Compliance and Documentation
Ensure 100% documentation compliance: All advisory sessions logged within 24 hours, no verbal agreements, and written confirmation for all repayment plans.
Stay updated on regulatory requirements related to unsecured lending and ISAs.
Ensure all collection actions are compliant and auditable.
Requirements
Diploma or Bachelor’s degree in Business, Finance, Economics, or related field.
1–2 years’ experience in collections, credit management, or financial services.
Experience working with Customer Relationship Management (CRM) systems and data tracking tools.
Knowledge of relevant laws and ethical standards related to collections management.
Strong communication and negotiation skills (ability to handle difficult conversations with professionalism and empathy).
Good public speaking skills.
Ability to work independently and collaboratively with a diverse team.
Strong analytical abilities, with a demonstrated ability to analyze complex data.
Proficiency in English and Swahili.
Benefits
21 days of annual leave, excluding national holidays.
Training, learning, and development opportunities and financial support for further education.
Medical insurance/aid coverage and wellbeing initiatives.
A fulfilling work environment with clear growth opportunities.
How to Apply
Interested and qualified candidates should apply online by visiting the Chancen International application portal at chancen.zohorecruit.eu. Ensure your application is submitted by the deadline of May 11, 2026.
How to Apply
Interested and qualified candidates should apply through the official recruitment portal on Zoho Recruit. Visit: Chancen International Application Portal. The application process is managed via chancen.zohorecruit.eu.
