About this role
Kolomoni Microfinance Bank (Gambia) Limited is a CBG-licensed microfinance institution serving customers across The Gambia through a growing branch network. We are recruiting Recovery Officers to strengthen our Credit & Recovery function.
THE ROLE
You will manage a portfolio of customers with overdue loans — making contact, visiting businesses in the field, establishing why repayment has stalled, negotiating realistic commitments within approved limits, and following through until the account is back on track. It is a field-facing, target-driven role with real accountability from the first month.
WHAT YOU WILL DO
- Follow up assigned customers with overdue repayments by telephone, SMS and field visit.
- Secure clear repayment commitments and follow them through to payment.
- Visit customers to confirm business status and identify available repayment sources.
- Spot early warning signs and escalate high-risk accounts promptly.
- Maintain accurate recovery records that reconcile with the Bank's systems.
- Deliver against monthly recovery, portfolio-quality and activity targets.
WHAT WE ARE LOOKING FOR
- WAEC/WASSCE as a minimum; a diploma or degree in a business, finance or related discipline is an advantage.
- 0–1 year of experience. Fresh graduates and school leavers are encouraged to apply.
- Exposure to microfinance, banking, collections, sales, customer service or field operations is an advantage.
- A confident communicator who can hold a difficult conversation without damaging the relationship.
- Comfortable working in the field and willing to travel within the assigned area.
- Numerate, well organised, resilient, and personally accountable for results.
- Unquestionable integrity — the role handles customer information and financial commitments daily.