Recovery Officer (Full-Time) – Tenakata Enterprises Limited | Multiple Locations in Kenya | Apply by April 30, 2025

Recovery Officer (Full-Time) – Tenakata Enterprises Limited | Multiple Locations in Kenya | Apply by April 30, 2025

ESSENTIAL JOB DETAILS

• Position: Recovery Officer
• Employment Type: Full-Time
• Company: Tenakata Enterprises Limited
• Work Locations: Kapsabet, Embu, Nakuru, Kericho, Mbale, Karatina (Kenya)
• Experience Required: Minimum 3 Years
• Minimum Qualification: Diploma or Bachelor’s Degree
• Industry: Financial Services / Microfinance / Fintech
• Application Deadline: April 30, 2025

INTRODUCTION

Are you an experienced credit recovery expert looking to grow your career in the dynamic world of microfinance, fintech, or SME credit management? Tenakata Enterprises Limited is seeking diligent and results-driven Recovery Officers to work across its operational regions in Kapsabet, Embu, Nakuru, Kericho, Mbale, and Karatina.

This is a high-impact role for professionals with a strong understanding of credit operations and collections strategy, especially in community lending or asset-based finance. The ideal candidate will be responsible for minimizing credit losses while ensuring compliance with internal procedures and customer relationship management standards.

This opportunity is especially valuable to candidates seeking credit recovery jobs in Kenya, loan collection jobs in Kenya 2025, or those interested in field-based financial operations roles with long-term growth potential.

ABOUT TENAKATA ENTERPRISES LIMITED

Tenakata Enterprises Limited is a progressive financial services provider operating across several Kenyan counties. The company specializes in offering tailored credit solutions to small and medium-sized businesses (SMEs), individuals, and community-based borrowers. With a mission centered on financial inclusion, Tenakata is committed to building sustainable lending practices that support economic empowerment at the grassroots level.

As part of its commitment to maintaining a strong financial portfolio, Tenakata relies on skilled Recovery Officers to track non-performing accounts, negotiate payment arrangements, and maintain a healthy credit book while preserving customer trust.

KEY RESPONSIBILITIES

The Recovery Officer will play a crucial role in managing loan collections and minimizing the risk of financial loss. Specific responsibilities include:

1. Debt Collection and Recovery

• Proactively engage defaulters through calls, SMS, field visits, and official correspondence
• Negotiate payment arrangements, settlements, or restructuring with defaulting clients
• Achieve daily, weekly, and monthly recovery targets across assigned portfolios
• Conduct skip tracing and tracking of customers with non-updated contact or residence details

2. Portfolio Monitoring and Risk Mitigation

• Collaborate with Credit Officers, Branch Managers, and Business Development Officers to recover delinquent accounts
• Monitor performance of accounts in arrears and generate reports with recommended actions
• Prepare daily recovery action plans based on delinquency aging reports
• Escalate unresolved or high-risk cases to management with detailed field findings

3. Reporting and Analytics

• Prepare recovery reports, dashboard summaries, and tracking logs for senior management
• Document repayment agreements and update client account statuses on CRM or loan systems
• Provide management with timely insights into repayment behavior and risk exposure

4. Compliance and Regulatory Adherence

• Ensure all recovery activities follow the institution’s credit policy, customer rights protection, and data confidentiality protocols
• Adhere to CBK and industry regulatory standards concerning collections and financial customer service
• Identify deceased, disabled, or legally non-collectible accounts and recommend closure or review

5. Customer Service and Relationship Management

• Maintain professional and empathetic communication with clients during collections
• Address customer concerns or complaints promptly and ensure effective resolution
• Promote goodwill by demonstrating fairness and consistency in handling defaulters

6. Field Operations and Investigation

• Conduct field visits to customer premises, collateral sites, or co-guarantors as needed
• Validate client information, verify income sources, and assess repayment capacity on-site
• Submit field visit reports, photographic evidence, and next-action recommendations

QUALIFICATIONS AND SKILLS

To qualify for this role, candidates must possess the following minimum requirements and competencies:

Academic Qualifications:

• Diploma or Bachelor’s degree in Finance, Accounting, Economics, Banking, Mathematics, or Credit Management

Professional Certifications (Preferred but Not Mandatory):

• Certified Credit Professional (CCP-K)
• Short courses in credit risk analysis, debt collection, or SME finance

Experience:

• At least 3 years of hands-on experience in loan recoveries or credit collections in a financial institution, SACCO, fintech company, or microfinance organization

Key Competencies:

• Deep knowledge of credit recovery processes and risk assessment methodologies
• Proficient in Microsoft Excel and CRM/account tracking software
• Excellent communication, negotiation, and interpersonal skills
• High attention to detail and report writing ability
• Ability to work independently in field-based roles and across multiple regions
• Understanding of Kenyan financial laws and SME lending models

PREFERRED LOCATIONS (PLACE OF WORK)

Candidates should be willing and able to work in or around the following regions:

• Kapsabet
• Embu
• Nakuru
• Kericho
• Mbale
• Karatina

Applicants from these regions or with prior experience operating in local communities will have an added advantage.

PERFORMANCE METRICS AND EXPECTATIONS

• Daily and monthly recovery rate
• Percentage of non-performing loans brought back to current status
• Field visit efficiency and reporting turnaround time
• Resolution rate of customer disputes and follow-ups
• Compliance with escalation protocols and ethical collection conduct

WHAT MAKES THIS OPPORTUNITY UNIQUE?

• Work with a leading financial institution at the grassroots level
• Gain deep field experience and industry exposure in recovery operations
• Join a professional team committed to community financial wellness
• Real opportunity for promotion to Senior Recovery Officer, Credit Supervisor, or Branch Compliance Lead

HOW TO APPLY

If you’re ready to make a measurable impact in the financial inclusion space and you meet the job requirements, don’t hesitate to apply:

Apply for this position here

Application Deadline: April 30, 2025

Applicants are encouraged to apply early. Shortlisting and interviews will be conducted on a rolling basis.

Documents Required for Application:

• Updated CV (maximum 3 pages)
• Cover Letter (highlighting past recovery experience)
• Copy of national ID and academic transcripts

ADDITIONAL ENGAGEMENT

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