Job Description

Our client is seeking an energetic, dynamic, and results-driven

Collections Specialist

to join our team. This pivotal role demands a professional who thrives in a high-pressure environment and is capable of

proactive arrears management

,

problem-solving

, and

decisive action on all default accounts

. The ideal candidate will take ownership of each account, identifying the

root cause of non-payment

, assessing

repayment risk

, and developing

tailored solutions

to secure timely and sustainable recovery.

This is

not a credit control or customer service position

. We require an

experienced, assertive collector

with extensive exposure to

secured lending or home-loan collections

, who can operate effectively in both soft and legal collections environments.
Experience in

home-loan or property-based collections

will be a

distinct advantage

.

The role requires a professional with deep understanding of the

National Credit Act

,

legal collection processes

,

debt review procedures

, and the ability to liaise with attorneys, sheriffs, and debt counsellors. A confident, persuasive, and solution-focused communicator is essential.

DUTIES & RESPONSIBILITIES

Proactive Arrear Management & Same-Day Follow-Up:

Monitor all due payments daily and take immediate action where funds are not received. Contact clients on the same day to establish reasons for non-payment and secure corrective commitments. Record all outcomes and update system notes comprehensively.

Root Cause Analysis & Risk Assessment:

Identify financial distress patterns early and propose proactive restructuring or intervention strategies.

Default & Legal Process Management:

Prepare and issue Section 129 notices, liaise with attorneys on legal handovers, and ensure all required documentation is filed accurately. Track progress of legal actions (e.g., judgments, evictions, sheriff returns) and report status updates to management.

Negotiation & Client Engagement:

Negotiate robust repayment arrangements based on affordability and risk assessment. Communicate clearly and firmly with clients, maintaining professionalism and empathy while achieving results.

Financial Verification:

Verify income and employment status when assessing payment capacity. Liaise with HR/payroll departments to implement or confirm payroll deductions.

Claims & Settlements:

Process retrenchment, disability, or death claims efficiently and monitor for finalisation. Prepare settlement quotes and ensure prompt follow-up to recover outstanding balances.

Reporting & Accountability:

Maintain accurate arrears reports and provide daily and month-end feedback on collection progress. Highlight high-risk accounts and recommend escalation or legal action where required.

REQUIREMENTS AND SKILLS

Education:

Grade 12 (Matric) essential. A related

Credit Management Diploma/Degree

will be a strong advantage.

Experience:

Minimum

3-5 years of hands-on collections experience

(secured lending or home loans preferred). Proven success in

high-pressure collections

,

arrears recovery

, and

negotiation

. Experience liaising with

attorneys, sheriffs, and debt counsellors

on default cases.

Technical & Legal Knowledge:

Strong working knowledge of the

National Credit Act

,

Debt Review

, and

legal recovery procedures

. Competent in reviewing

credit bureau reports

and identifying repayment risks. Advanced MS Excel and Word proficiency.

Attributes:

Highly assertive, confident communicator with excellent negotiation skills. Analytical and solutions-driven; able to manage multiple priorities simultaneously. Resilient under pressure, target-oriented, and results-driven. Professional, ethical, and empathetic approach to clients while safeguarding company interests.

Please Note:

Only candidates who meet the above criteria will be considered. If you do not meet these requirements, please consider your application

unsuccessful

.

Assess the client's capacity and intent to pay through direct engagement, documentation review, and credit analysis.
Job Types: Full-time, Permanent

Pay: R250000,00 - R300000,00 per year

Application Question(s):

Strong working knowledge of the National Credit Act, Debt Review, and legal recovery procedures. 3-5 years of hands-on collections experience (secured lending or home loans preferred). Solid understanding and practical application of the National Credit Act and all relevant debt collection legislation pertaining to credit risk and collection processes.
Education:

High School (matric) (Required)
Location:

Cape Town, Western Cape (Required)
Work Location: In person