Duties

• Manage a portfolio of delinquent and non-performing loans (NPLs).
• Contact defaulting clients (via phone, email, and field visits) to negotiate repayments.
• Assess clients’ financial situations and propose suitable repayment solutions.
• Negotiate repayment plans and loan restructuring agreements.
• Monitor agreed payment plans and ensure compliance.
• Prepare periodic reports on recovery portfolio performance.
• Collaborate with the Legal team on litigation and recovery processes when necessary.
• Ensure compliance with internal policies and banking regulations.
• Update internal systems with accurate records of client interactions.
• Identify risks and recommend mitigation actions to reduce losses.

Requisites

• Bachelor’s degree in Accounting, Finance, Business Administration, Economics, Law, or related fields.
• Minimum of 5 years of experience in loan recovery, collections, or credit management.
• Experience in the banking sector.
• Knowledge of credit analysis and risk management.
• Familiarity with Mozambican credit and debt recovery regulations.
• Experience with banking systems is a plus.

Core Competencies:

• Strong negotiation and persuasion skills.
• Excellent communication and interpersonal skills.
• Results-oriented mindset.
• Analytical thinking and problem-solving ability.
• Resilience and ability to work under pressure.
• High level of integrity and confidentiality.
• Knowledge of the Mozambican financial market.