Sun King

Off-grid solar home systems provider

Area Collections Executive

Retail & Commercial BankingUpdated on Nov 13

Full-timeKabwe, ZambiaNo salary listedIn-person

About the Job

Requirements

A Bachelor's degree or Higher Diploma related to Finance, Community Development, Communication, Credit Risk Management, or a related field.
At least 1 year of work experience in a similar position, including field experience working with rural customer settlements.
Fluency in English and at least one local language.
Ability to think clearly and solve problems.
Issue-tracking and resolution skills.
Ability to manage multiple tasks diligently and accurately.
Ability to work seamlessly with multiple sales and cross-functional teams.

Responsibilities

Work with the Regional Collections Manager to provide Area Business Managers and Collection Ambassadors with specific account cohorts to prioritize for follow-up, based on weekly performance checks.
Drive and maintain the Area Collection Score at 80% or higher.
Reduce the Area Portfolio Disabled rate to 15% or less of the regional book.
Maintain the Area At Risk Rate below a 1% weekly or monthly average.
Follow up on restricted agents, report the reasons for restriction, and provide a plan to reinstate or replace them and reassign their accounts when findings indicate overall non-performance.
Enforce risk and collection interventions to achieve key outcomes.
Follow up on findings from periodic collections surveys conducted by the CC team.
Drive performance of the area's collection ambassadors.
Reduce risk exposure that could damage portfolio quality or the company's image.
Enforce FSE Kazi usage by achieving at least 80% Kazi tasks completed.
Manage collection ambassadors to align their targets with company goals.
Trace and close non-performing accounts, especially accounts disabled for more than 180 days.
Train and engage energy officers and collection ambassadors to increase Kazi success rates and collection abilities.
Check the area portfolio and develop strategies to improve collections and sales quality.
Address risk exposures promptly and recommend resolutions to the risk team.
Follow up promptly on customer complaints, including faulty-product and poor-service issues, to ensure quality service.
Review area portfolio and repayment trends and set daily, weekly, and monthly strategies to improve collection rates from delinquent customers.
Prepare timely weekly reports of activities, aligned with data and daily activity achievement rates.
Set targets in the respective AHQ and drive their achievement through engagement with the Regional Collections Manager, Area Business Managers, and energy officers.
Facilitate reporting of field fraud, including product tampering and misinformed agent sales, and ensure actions follow Risk function processes.
Track FPDs, SPDs, and poor-repayment customers, identify reasons for nonpayment, and address findings promptly.
Resolve complex client complaints in the region promptly.
Oversee repossession efforts and ensure compliance with the organization's repossession policy.

Desired Qualifications

Microfinance, fintech, or banking experience in credit collections and debt recovery.

Job Location: Kabwe
About the role:
The Area collections Executive plays a critical role in managing delinquent accounts and ensuring repayment compliance. This position involves converting overdue accounts into current customers through client visits, collection calls, and strategic follow-ups in teamwork with Area Business Managers and Field Sales Executives/Energy Officers to minimize default rates.

Performance Indicators

Work with Regional Collections Manager to provide ABM and CAs with specific cohorts of accounts to prioritise follow ups based on detailed performance checks on a weekly basis.
Drive the Area Collection Score to at least 80% and maintain such standard
Reduce the Area Portfolio Disabled rate to at least 15% of the entire regional book
Maintain Area at Risk Rate at less than 1% weekly/monthly average.
Follow up on all restricted agents and provide a report on their reason for restriction and provide a detailed plan to get them either unrestricted or replaced and have their accounts reassigned should the key findings be overall non performance.
Enforcement of Risk and collection interventions to ensure key outcomes are achieved.
Follow up on findings from periodic collections surveys done by the CC team.
Performance drive for the area collection Ambassadors.
Reduction of Risk exposure that will damage the portfolio quality and the company’s image
Enforce FSE Kazi Usage, through achieving at least 80% Kazi Task Completed

Essential Indicators:

Proper management of collection ambassadors to ensure the target is aligned to the company’s goals.
Trace and close all non-performing accounts, with emphasis on those greater than 180 days disabled.
Proper training and engagement of energy officers and collection ambassadors to increase the Kazi success rate and collection abilities.
Area portfolio check and strategizing to address and improve the quantity of collections and quality of sales.
Immediate addressing of risk exposures and recommendation to the risk team for resolution
Timely follow-up of customer complaints, such as faulty issues and poor service, is issued to ensure quality service is rendered.
Check the area portfolio and repayment trends provided and lay down daily, weekly, and monthly strategies to drive better collection rates from delinquent customers.
Proper weekly reports stating all the activities conducted and aligning with data and the achievement rate of daily activities.
Setting and ensuring the drive of target setting in the respective AHQ through engagement of the RCM, ABMs and energy officers.
Facilitate reporting and actions to be taken against those perpetrating fraudulent practices in the field, such as product tampering, misinformed sales done by agents, etc., as per the processes laid out by the Risk function.
Tracking of FPDs and SPDs and poor repayment customers to know the reason for not repaying and address findings immediately.
Timely resolution of complex complaints from clients in their region.
Oversee repossession efforts and ensure they are in line with the organization’s repossession policy.

Bachelor's degree/Higher Diploma related to Finance, Community Development, communication, credit risk management, or related fields.
At least 1 year of work experience in a similar position with field experience working with rural customer settlements.
Passionate about working in the field to drive collections, resolve issues, and enhance the customer experience.
Strong experience from a microfinance/fintech or banking background in credit collections and debt recovery is preferable.
Must have good communication & people skills
Excellent people skills.
Clear and straight-to-the-point communication skills with fluency in English and at least one local language.
Clear thinking/problem-solving ability.
Passionate about working with rural customers & resolving customer issues.
Excellent issue-tracking and resolution skills.
Able to manage multiple tasks at the same time diligently and accurately.
Work with multiple sales teams and cross-functional teams seamlessly.

About the Company

Sun King

Off-grid solar home systems provider

Sun King designs, manufactures, distributes, and finances solar home energy products for off-grid communities in Africa and Asia. Its range includes solar lanterns and solar home systems with inverters and storage that can power lights, radios, phones, and household appliances, all financed through a pay-as-you-go model with small mobile money installments after a low upfront payment. The company differentiates itself with an end-to-end approach—handling product design, manufacturing, distribution, and financing—supported by a large field-agent network and strategic acquisitions like PayGo Energy to expand into clean cooking. Its goal is to increase energy access by helping households leapfrog kerosene and unreliable grids, aiming to reach millions of homes and businesses, including over 2 million in Ethiopia by 2030.

Company size: 1,001-5,000
Company stage: Debt Financing
Total funding: $864.9M
Headquarters: Chicago, IL
Founded: 2008

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