Collections Agent – Vehicle & Asset Finance (Off-Balance Portfolio)

Minimum Requirements

• Grade 12 / Matric
• Minimum 3-5 years' experience collecting on a Vehicle & Asset Finance (VAF) portfolio
• Previous experience working on an Off-Balance VAF portfolio
• Knowledge of asset litigation and the legal recovery process
• Good understanding of prescription
• Experience educating customers on legal processes relating to repossession, judgments and shortfall recoveries
• Knowledge of debt collection legislation including the National Credit Act (NCA) and POPIA
• Working knowledge of Excalibur 4 will be highly advantageous
• Knowledge of DM will be beneficial
• Clear criminal and credit record
• Basic computer literacy

Key Responsibilities

• Manage an allocated Off-Balance Vehicle & Asset Finance portfolio.
• Recover outstanding debt while maximising recoveries.
• Negotiate settlements, payment arrangements and instalment increases.
• Engage professionally with customers regarding legal processes relating to asset recovery.
• Handle difficult and previously unresponsive customers.
• Ensure accurate notes and customer records are maintained.
• Respond to customer queries telephonically and in writing.
• Meet recovery and activation targets while maintaining quality standards.
• Ensure compliance with company policies and relevant legislation.

We're Looking For Someone Who Is

• An excellent communicator with outstanding telephone etiquette
• Confident negotiating with customers
• Resilient and able to perform under pressure
• Detail-oriented with strong administrative skills
• Honest, professional and self-motivated
• Emotionally intelligent and customer focused
• Comfortable working manually and on a dialler
• Passionate about achieving results

What You'll Bring

• Proven collections success on aged or difficult debt
• Understanding of recovery rates and activation (hit) ratios
• Experience working in a quality-assured collections environment
• Strong objection-handling and negotiation skills
• Professional written communication skills