Field Collection Officer – Nationwide (Nairobi, Nyanza, Western, Coast, Central, Garissa, Nakuru & Eldoret) | Microfinance Jobs in Kenya 2025

Essential Job Details

• Position Title: Field Collection Officer (Motorcycle & Vehicle Finance)

• Location: Multiple Hubs — Nairobi, Nyanza, Western, Coast, Central, Garissa, Nakuru, Eldoret

• Employment Type: Full-time, Permanent

• Vacancies: Several (expansion drive FY 2025)

• Reference No.: MOGO/FCO/2025

• Salary Range: KES 60,000 – KES 85,000 gross + performance bonus; fuel & airtime provided

• Department: Credit & Collections — Asset-Backed Microfinance Jobs in Kenya track

• Reports To: National Collections Manager

• Travel Requirement: 70 % field-based within assigned county cluster

• Application Deadline: Rolling review; priority for applications received by 30 June 2025

Introduction

Microfinance jobs in Kenya are transforming fast as fintech lenders harness data and mobility to reach customers at the furthest boda stages and estate corners. This nationwide Field Collection Officer post places you on the frontlines of that revolution, safeguarding asset portfolios worth billions of shillings while helping riders, drivers, and small-business owners protect their livelihoods. In today’s competitive landscape for microfinance jobs in Kenya, success is measured not only by shillings recovered but by the empathy, agility, and street-wise innovation you deploy to keep customers on the road and loans performing. If you thrive in high-energy terrains—navigating congestion in Nairobi’s Eastlands at dawn, tracing GPS pings in Kisumu at noon, or coordinating joint operations with county traffic units at dusk—this could be the high-impact, career-accelerating opportunity you have been scouting across the microfinance jobs in Kenya market.

About MOGO Auto Limited

MOGO Auto Limited, part of the global Eleving Group, is a fintech leader extending inclusive vehicle finance across sixteen countries and three continents. Since driving into Kenya in 2019, MOGO has financed 100 000+ vehicles and empowered 50 000+ customers with rapid, tech-enabled credit decisions and repayment periods of up to 60 months. In 2024 alone, motorcycle disbursements topped KES 230 million, while a $10 million partnership with the U.S. International Development Finance Corporation accelerated our electric-mobility agenda. Unlike lenders fixated on narrow asset classes, MOGO finances cars, tuk-tuks, boda bodas, and e-bikes of virtually any make, model, or age—proving that diversity and data can coexist in progressive microfinance jobs in Kenya. Our mission? Expand upward social mobility through transparent, affordable finance, backed by bullet-fast loan processing and a lowest-price guarantee. Fueled by technology, disciplined risk analytics, and a people-first ethos, we weave mutually beneficial partnerships with customers, dealers, and communities.

Key Responsibilities

• Recover Past-Due Accounts — Visit clients with overdue instalments across urban estates, peri-urban trading centers, and rural enclaves; negotiate realistic repayment arrangements that safeguard both asset and livelihood while meeting monthly targets for high-performing microfinance jobs in Kenya credit teams.

• Asset Repossession & Custody — Execute professional repossession of motorcycles (bodas) and vehicles when contractual payment schedules lapse; coordinate secure storage, inspection, and onward logistics in line with company SOPs and Kenya Traffic Act provisions.

• Stakeholder Liaison — Work hand-in-glove with county police, NTSA, and chiefs to authenticate logbooks, verify rider permits, and guarantee lawful custody of seized assets—core for regulatory-compliant microfinance jobs in Kenya.

• Intelligence & Risk Mapping — Compile granular field intelligence on borrower migration patterns, plate-number swaps, and chassis tampering; feed insights to credit-analytics squads for early-warning flagging.

• Regulatory Monitoring — Remain alert to new traffic-enforcement policies, boda licensing reforms, or environmental regulations impacting e-mobility; advise management on operational pivots essential for resilient microfinance jobs in Kenya portfolios.

• Investigative Reporting — Draft detailed incident and missing-bike investigations, complete with ride-path reconstructions, witness affidavits, GPS screenshots, and actionable mitigation tactics.

• Innovation & Tech Adoption — Pilot IoT trackers, mobile recovery apps, and AI-powered risk-heatmaps; champion agile experiments that cut search times and uplift cure rates—hallmarks of forward-thinking microfinance jobs in Kenya.

• Performance Analytics — Generate weekly dashboards and monthly retrospectives contrasting targets vs. actual recoveries, broken down by county, asset-type, and delinquency bucket; co-create corrective strategies with senior analysts.

Qualifications and Skills

• Practical Collection Expertise: Prior debt-recovery, credit control, or field investigation experience in banking, SACCO, or tech-driven microfinance jobs in Kenya settings strongly preferred.

• Licensing: Valid Kenyan Driving Licence classes A2 (motorcycle) & B; demonstrable safe-riding skills on unpaved and urban roads alike.

• Customer-Centric Mindset: Commitment to respectful, solution-oriented dialogue; ability to de-escalate tense repayment scenarios.

• Regulatory Literacy: Comfortable interpreting loan-agreement clauses, Chattels Transfer Act, and updated boda boda bylaws.

• Negotiation & Analytics: Adept at structuring step-up repayment plans, calculating arrears interest, and analysing delinquency root causes.

• Tech Fluency: Familiar with GPS tracking dashboards, CRM/ERP recovery modules, Google Workspace, and smartphone-based data capture—indispensable for modern microfinance jobs in Kenya.

• Communication: Fluent in English and Swahili; additional regional languages an edge (e.g., Luo, Kikuyu, Luhya).

• Resilience & Initiative: Self-driven in fast-moving, often high-pressure field contexts; quick to surface process gaps and trial fixes.

Company Culture and Values

MOGO prides itself on a non-bureaucratic culture where frontline voices shape strategy. Decision cycles are short, meritocracy reigns, and humor is part of the daily toolkit. Employees in our microfinance jobs in Kenya pathway enjoy:

• Feel Good: Comprehensive medical cover, pension scheme (post-probation), wellness days, and regular team-rides (yes, we ride together!).

• Win: Transparent scorecards, uncapped bonus potential, and quarterly recognition ceremonies where top collectors earn trophies and funded weekend getaways.

• Grow: Continuous feedback loops, peer-learning pods, and sponsored certifications in credit management and road-safety auditing.

How to Apply

Apply now for the Field Collection Officer role and shape the future of asset-backed finance.

1. Prepare an up-to-date CV (PDF) highlighting field-recovery achievements, driving endorsements, and any fintech exposure.

2. Write a concise cover letter (≤ 400 words) explaining why microfinance jobs in Kenya and mobility finance fuel your professional purpose.

3. Assemble contact details for two referees who can attest to your integrity and target-hitting stamina.

4. Submit your application through MOGO’s secure talent portal—ensure the subject line reads “Field Collection Officer – Reference MOGO/FCO/2025”.

5. Shortlisted candidates will complete a bike-handling demo and situational-judgement test.

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TAGS: microfinance jobs in kenya, field collection officer kenya, debt recovery jobs, motorcycle finance collections, mogo auto jobs

Disclaimer: THE KENYAN JOB FINDER is not the hiring company. For queries, contact MOGO Auto Limited directly. Kindly refrain from sending applications to THE KENYAN JOB FINDER; due to high email volume, individual replies may not be possible. Thank you for understanding.