55 Collections Specialist jobs in South Africa

Company Description

Chartwell Housing Finance Solutions (Pty) Ltd is a financial services and advisory company focused on making homeownership affordable in Africa. By collaborating with developers, financial institutions, and employers, Chartwell creates solutions that bridge the housing affordability gap. Utilizing bespoke loan origination and administration platform, Chartwell offers tailored advisory services and product design, aiming to make homeownership a sustainable reality for a growing number of people in Africa. The company is committed to a flexible and multi-dimensional approach to address various facets of housing and housing finance.

Job Summary

We are seeking an energetic, dynamic, and results-driven Collections Specialist to join our team. This pivotal role demands an individual who thrives on strategic problem-solving and takes immediate, proactive action on all default accounts. You'll be instrumental in analysing complex non-payment reasons and negotiating robust payment arrangements that consistently deliver the best possible outcomes for the business.

This is not a traditional Collections Specialist role; we require a professional with a deep understanding of urgency and the tenacity to ensure payments are met timeously. This is not a traditional collections agent role; we require a professional with in-depth knowledge of collections processes and strategies, gained from extensive experience within a collection's environment. The ideal candidate will possess comprehensive knowledge of the National Credit Act, the legal collections process, and debt review procedures, complemented by the ability to analyze credit bureau information and bank statements.

You must be confident, assertive, and fearless in your approach, yet possess the emotional intelligence to strike a crucial balance between being firm and reasonable. If you are a passionate negotiator with an unwavering commitment to achieving targets and a strong, persuasive communication style, we invite you to apply.

Duties and responsibilities

• Proactive Arrear Management & Same-Day Collections:
  Implement a proactive approach to ensure customer collections are received on their salary date or scheduled collection date.
  Should a payment not be received as expected, the goal is to immediately explore all avenues and initiatives to contact the customer on the same day or following up to ensure contact is made, thereby actively preventing a default.
  Promptly follow up on non-receipts.
• Lead monthly arrear collections by meticulously analyzing reconciliations and monitoring bank statements daily.
• Deep Financial Analysis:
  Investigate historical data and analyze current customer financial performance (via credit reports, budgets, etc.) to understand repayment capabilities and proactively identify and address behavioural trends or changing conditions.
• Income & Employment Verification:
  Verify customer income, employment, and salary information when changes occur during the home loan lifecycle.
• Expedited Mandate Action:
  Swiftly action new or changed collection mandates, ensuring all necessary supporting documentation is in place.
• Diligent Task Management:
  Maintain and diligently manage a daily task list, meticulously tracking past and future actions for all assigned responsibilities.
• Robust Communication:
  Action all incoming tasks promptly and effectively across various communication channels (emails, calls, text messages), ensuring clarity and impact.
• Strategic Debt Review Management:
  Review and critically assess communications from debt counsellors, meticulously following business processes for debt review notices. This includes crafting "out of the box" counter-proposals for restructured repayments, always with a sharp focus on safeguarding business assets.
• Payroll Deduction Implementation:
  Prepare required documentation and actively liaise with customers and their HR/payroll departments to implement and follow up on home loan payroll deduction requests until full implementation.
• Aggressive Customer Contact:
  Proactively engage customers via telephone, SMS, email, or (where necessary) social media to track payments and outstanding balances.
• System Integrity:
  Ensure all customer information and feedback are accurately and promptly updated on systems, with all relevant documentation uploaded.
• Credit Life Claims:
  Meticulously follow business processes for actioning retrenchment, death, and disability claims from submission to finalization.
• Legal Process Management:
  Prepare default notices and liaise effectively with Sheriff's offices and post offices to ensure successful and timely delivery of legal notices.
• Reporting & Accountability:
  Conduct thorough reviews of arrear collection reports at month-end to ensure all arrear collections are accounted for until full settlement.
• Credit Bureau Judgement Loading:
  Liaise effectively with various credit bureaus to ensure timely and accurate loading of judgments against customer credit records.
• Ad-hoc Task Management:
  Efficiently manage diverse ad-hoc tasks, including customer account queries, payment relief requests, and credit bureau listings.
• Consistent Reporting:
  Provide daily and prompt feedback to the Line Manager on all pending tasks and target progress.

Other Responsibilities

• Stay current on new product information and legislation through ongoing learning and internal communication.
• Adhere strictly to all company policies and procedures.
• Handles the tasks and responsibilities of colleagues during periods of leave or sick leave, ensuring continuity of operations.

Requirements and Skills

• Education:
  Grade 12 qualification; a related Credit Management Diploma/Degree is a significant advantage.
• Experience:
  A minimum of
  3 years of aggressive collections experience
  , specifically with soft and legal collections in a home loans environment.
• Collections Expertise:
  A strong understanding and practical working knowledge of collections processes, recovery techniques, and billing procedures.
• Technical Proficiency:
  Advanced computer literacy skills with high proficiency in MS Excel and Word.
• Legal & Regulatory Knowledge:
  Solid understanding and practical application of the National Credit Act and all relevant debt collection legislation pertaining to credit risk and collection processes.
• Exceptional Communication & Negotiation:
• Proven ability to communicate very strongly and persuasively with customers,
  navigating challenging conversations with assertiveness and professionalism.
• Highly skilled in
  negotiation and problem-solving
  , with the ability to secure optimal payment outcomes.
• Confident and resilient
  in pursuing collections, demonstrating persistence and a positive "can-do" attitude even in difficult situations.
• Adept at explaining complex payment plan options to non-paying customers, negotiating robust terms, and
  winning customers over to responsibly manage their debt.
• Exceptional written communication skills, capable of crafting emails that elicit the desired action from customers to rectify defaults.
• Attributes:
• Strong, passionate, and aggressive collections approach
  focused on achieving results.
• Highly empathetic yet non-judgmental
  , able to understand customer situations while firmly upholding business requirements.
• Excellent
  patience combined with the ability to manage stress
  in a high-pressure environment.
• Comfortable working with strict deadlines and targets.

Permanent

JHB

Student Housing Accommodation

Gauteng, JHB - Northern Suburbs

R18k CTC - R20k CTC (Capped Performance Bonus)

Staff Connection is looking for a
Junior Collections Specialist
to be based in Jo'Burg North.

• Local candidates
• Diploma or degree in Finance
• Experience within debt collections | debt recovery
• Computer literate
• Advanced Microsoft Office skills

Key Responsibilities Include

• Conducting effective and professional debt collection and negotiation processes.
• Performing data analysis and reporting to track collection performance and identify trends.
• Ensuring full compliance with legal and regulatory requirements in all collection activities.
• Delivering excellent customer service, maintaining professionalism and empathy in all interactions.
• Maintaining accurate recordkeeping and documentation of all collection actions and communications.

This role requires a detail-oriented, analytical individual with strong communication skills and a solid understanding of collection processes and compliance standards.

For More Information Please Contact
Aida Ioannides

Apply

ABOUT THE COMPANY

When 1Life launched in 2006, we shook up the insurance industry with our fresh,

customer-focused approach – offering affordable, simple and convenient

insurance products direct to South Africans. We have evolved over the years

from being a direct life insurer to becoming a multi-distribution insurer in 2013.

We are always innovating, always looking for ways to meet South Africans'

evolving needs and change lives for the better.

Everything we do is geared towards making it simpler for our customers to make

smart choices and to protect and grow their wealth. Take a look at some of our

industry "firsts":

• the first company to sell life insurance direct to the public online and through

our mobi site

• the first life company to launch a USSD policy management service for life

policyholders

• the first to introduce HIV testing via saliva instead of blood tests

JOB PURPOSE

To design, build and support the application & implementation of predictive

models to enable the business to manage risk and generate revenue. Analyse

and optimize processes, produce and analyse MI to inform strategic decisions,

monitoring and implementation of business decisions, recommend

enhancements through statistical modelling and data analysis. Support MI

analysts, IT system analysts, Finance IT developers and Operational areas.

RESPONSIBILITIES

Strategy Formation & Implementation

Support the implementation and day-to-day management of tactical plans for

optimizing resources and assets being managed within a given area or

department.

Provide input, insight and support into strategy development including data-

driven analytics, test design, and rollout plan.

Assist in development of segmentation and advanced analytics to drive different

treatments and strategies

Support profitability assessments of Collection and recovery strategies through

risk / return analysis using financial modelling.

Work with internal and external operations teams to define specific treatments to

be allocated by strategy.

Review and support process/business rules/strategy changes from design and

documenting to analytical sizing to design testing to implementation to

interpretation of results

Insights and Reporting

Support the data and analytics reporting plan, creating/maintaining/interpreting

templates to report data in a meaningful way.

Create, present, and communicate high-impact data and analytics insights and

recommendations to critical internal and external stakeholders.

Support the application and implementation of, and interpret and report the

outputs of predictive models to enable the business to manage risk.

Analyse and optimise processes, inform strategic decisions, monitoring

implementation of business decisions, recommend enhancements through

statistical modelling and data analysis.

Data Collection & Analysis

Use data from a wide range of sources to analyse key themes and identify

possible impacts on the business.

Segmentation, ad hoc analytics, financial modelling, and test design to support

decisioning within collections and recovery.

Sourcing and management of data sets to support strategy function.

Stakeholder Engagement

Provide operational troubleshooting and support to stakeholders up to top

management level, finding out their needs/issues/concerns and reacting to these

by leading and coordinating the development of stakeholder engagement plans

to support the communication of business information and decisions.

Manage relationships with internal and external stakeholders to ensure

consistent, accurate, aligned and valid data is available.

Identify reporting needs with the relevant role players.

Act as the SME and manage all engagement and delivery in collaboration with

your manager, Actuarial team, MI key stakeholders, GIT key stakeholders and

Finance key stakeholders where relevant

Cultivate and manage objective working relationships with a variety of

stakeholders like technical, business, project managers and testing analysts in

the recommendation of strategic business solutions.

Improvement / Innovation

Initiate, formulate and implement new business practices within a specific

discipline while supporting the development and/or delivery of a significant

element of the organization's change management program.

Increase operational efficiency and suggest solutions to enhance cost

effectiveness.

Identify process improvements for Cost Savings, Revenue Generation or

Efficiency improvements for the business through analytical methods.

Support implementation of modelling processes and implementation of

innovation within the modelling environment.

Definition, development and maintenance of practice policies, procedures,

standards and frameworks to innovatively and effectively manage practices and

processes.

Change Management

Support the development and/or delivery of a significant element of an

organisational change management initiative for a substantial department/area.

Personal Capability Building

Act as subject matter expert in an area of expertise. Maintain external

accreditations and in-depth understanding of current and emerging external

regulation and industry best practices through continuing professional

development, attending conferences, and reading specialist media.

Maintain awareness of relevant legislation and industry best practices to provide

proactive advice and solutions to relevant stakeholders.

Data Management

Support the management of key aspects of the data management system. This

includes identifying opportunities for development or operating key elements of

the system.

Regulatory and Compliance Management

Investigate all kinds of incidents and reports, and provide expert advice to

colleagues at various levels as applicable. Minimize risk exposures and ensure

adherence with regulatory standards by working with all internal functions to

make sure compliance programs are properly implemented and/or designed to

mitigate incidents.

General Education

• Grade 12/ SAQA Accredited Equivalent (Essential)
• BCom Bus.Mngmnt/Admin or Fin.Acc (Essential)
• Excel certification (Essential), Certification in Data Analysis (Advantageous)
• SQL Certification (Advantageous)

General Experience

• 3 or more years in a similar role with a key focus on analytics, statistics and reporting (Essential)
• 3 or more years' experience and knowledge of the financial insurance industry (Essential)
• Experience and knowledge of premium collection processes and rules including bank processes and deep understanding of Debicheck Authenticated Collections rules and processes (Essential)
• Knowledge and/or experience of Persal payroll deduction rules and processes (Advantageous)
• Experience on data modelling tools (Qlikview, PowerBI etc) (Advantageous)
• Exposure to Data Warehouse Concepts and Dimension Modelling Techniques (Advantageous) Experience and exposure to Project and Risk Management (Advantageous)

ADDITIONAL INFORMATION

*SAQA Accredited Equivalent - it is the onus of the applicant to provide 1Life and its subsidiaries with certified evidence that their qualification(s) meet the equivalent NQF level required for this role at time of application. *Financial Sector Conduct Authority (FSCA) competency requirements: FAIS recognised qualifications / Regulatory Examinations / Class of Business Certification and / or CPD according to your DOFA (where applicable). As a registered Financial Service Provider, we are mandated to ensure that all our representatives are and remain fit and proper at all times. By applying for this role, you consent to having your relevant qualification and or accreditation or confirm that you are working towards meeting the competency requirements. You further consent to the relevant information being verified.

ABOUT THE COMPANY

When 1Life launched in 2006, we shook up the insurance industry with our fresh,

customer-focused approach – offering affordable, simple and convenient

insurance products direct to South Africans. We have evolved over the years

from being a direct life insurer to becoming a multi-distribution insurer in 2013.

We are always innovating, always looking for ways to meet South Africans’

evolving needs and change lives for the better.

Everything we do is geared towards making it simpler for our customers to make

smart choices and to protect and grow their wealth. Take a look at some of our

industry “firsts”:

• the first company to sell life insurance direct to the public online and through

our mobi site

• the first life company to launch a USSD policy management service for life

policyholders

• the first to introduce HIV testing via saliva instead of blood tests

JOB PURPOSE

To design, build and support the application & implementation of predictive

models to enable the business to manage risk and generate revenue. Analyse

and optimize processes, produce and analyse MI to inform strategic decisions,

monitoring and implementation of business decisions, recommend

enhancements through statistical modelling and data analysis. Support MI

analysts, IT system analysts, Finance IT developers and Operational areas.

RESPONSIBILITIES

Strategy Formation & Implementation

Support the implementation and day-to-day management of tactical plans for

optimizing resources and assets being managed within a given area or

department.

Provide input, insight and support into strategy development including data-

driven analytics, test design, and rollout plan.

Assist in development of segmentation and advanced analytics to drive different

treatments and strategies

Support profitability assessments of Collection and recovery strategies through

risk / return analysis using financial modelling.

Work with internal and external operations teams to define specific treatments to

be allocated by strategy.

Review and support process/business rules/strategy changes from design and

documenting to analytical sizing to design testing to implementation to

interpretation of results

Insights and Reporting

Support the data and analytics reporting plan, creating/maintaining/interpreting

templates to report data in a meaningful way.

Create, present, and communicate high-impact data and analytics insights and

recommendations to critical internal and external stakeholders.

Support the application and implementation of, and interpret and report the

outputs of predictive models to enable the business to manage risk.

Analyse and optimise processes, inform strategic decisions, monitoring

implementation of business decisions, recommend enhancements through

statistical modelling and data analysis.

Data Collection & Analysis

Use data from a wide range of sources to analyse key themes and identify

possible impacts on the business.

Segmentation, ad hoc analytics, financial modelling, and test design to support

decisioning within collections and recovery.

Sourcing and management of data sets to support strategy function.

Stakeholder Engagement

Provide operational troubleshooting and support to stakeholders up to top

management level, finding out their needs/issues/concerns and reacting to these

by leading and coordinating the development of stakeholder engagement plans

to support the communication of business information and decisions.

Manage relationships with internal and external stakeholders to ensure

consistent, accurate, aligned and valid data is available.

Identify reporting needs with the relevant role players.

Act as the SME and manage all engagement and delivery in collaboration with

your manager, Actuarial team, MI key stakeholders, GIT key stakeholders and

Finance key stakeholders where relevant

Cultivate and manage objective working relationships with a variety of

stakeholders like technical, business, project managers and testing analysts in

the recommendation of strategic business solutions.

Improvement / Innovation

Initiate, formulate and implement new business practices within a specific

discipline while supporting the development and/or delivery of a significant

element of the organization's change management program.

Increase operational efficiency and suggest solutions to enhance cost

effectiveness.

Identify process improvements for Cost Savings, Revenue Generation or

Efficiency improvements for the business through analytical methods.

Support implementation of modelling processes and implementation of

innovation within the modelling environment.

Definition, development and maintenance of practice policies, procedures,

standards and frameworks to innovatively and effectively manage practices and

processes.

Change Management

Support the development and/or delivery of a significant element of an

organisational change management initiative for a substantial department/area.

Personal Capability Building

Act as subject matter expert in an area of expertise. Maintain external

accreditations and in-depth understanding of current and emerging external

regulation and industry best practices through continuing professional

development, attending conferences, and reading specialist media.

Maintain awareness of relevant legislation and industry best practices to provide

proactive advice and solutions to relevant stakeholders.

Data Management

Support the management of key aspects of the data management system. This

includes identifying opportunities for development or operating key elements of

the system.

Regulatory and Compliance Management

Investigate all kinds of incidents and reports, and provide expert advice to

colleagues at various levels as applicable. Minimize risk exposures and ensure

adherence with regulatory standards by working with all internal functions to

make sure compliance programs are properly implemented and/or designed to

mitigate incidents.

General Education

• Grade 12/ SAQA Accredited Equivalent (Essential)


• BCom Bus.Mngmnt/Admin or Fin.Acc (Essential)


• Excel certification (Essential), Certification in Data Analysis (Advantageous)


• SQL Certification (Advantageous)

General Experience

• 3 or more years in a similar role with a key focus on analytics, statistics and reporting (Essential)


• 3 or more years’ experience and knowledge of the financial insurance industry (Essential)


• Experience and knowledge of premium collection processes and rules including bank processes and deep understanding of Debicheck Authenticated Collections rules and processes (Essential)


• Knowledge and/or experience of Persal payroll deduction rules and processes (Advantageous)


• Experience on data modelling tools (Qlikview, PowerBI etc) (Advantageous)


• Exposure to Data Warehouse Concepts and Dimension Modelling Techniques (Advantageous) Experience and exposure to Project and Risk Management (Advantageous)

ADDITIONAL INFORMATION

*SAQA Accredited Equivalent - it is the onus of the applicant to provide 1Life and its subsidiaries with certified evidence that their qualification(s) meet the equivalent NQF level required for this role at time of application. *Financial Sector Conduct Authority (FSCA) competency requirements: FAIS recognised qualifications / Regulatory Examinations / Class of Business Certification and / or CPD according to your DOFA (where applicable). As a registered Financial Service Provider, we are mandated to ensure that all our representatives are and remain fit and proper at all times. By applying for this role, you consent to having your relevant qualification and or accreditation or confirm that you are working towards meeting the competency requirements. You further consent to the relevant information being verified.

Junior Collections Specialist (6-Month Temporary Position)

Location: Johannesburg, South Africa

Reporting to: Credit Controller

KONE South Africa is seeking a dynamic and motivated Junior Collections Specialist for a 6-month temporary role based in our Johannesburg office. This position offers a unique opportunity to contribute to our customer credit management activities and join a dedicated team driving effective collection strategies.

Key Responsibilities:

• Execute customer credit management activities, including conducting initial collection calls using SAP in a structured and customer-centric manner.
• Initiate and manage the dispute resolution workflow by dispatching recorded disputes to the relevant business units for resolution.
• Coordinate the dispute resolution process to ensure timely and accurate outcomes.
• Analyse data to identify patterns and draw actionable conclusions to support collection efforts.
• Collaborate with the team to maintain a harmonious and productive work environment.

Are You the One?

Qualifications & Experience:

• Finance and/or Credit Qualification.
• Minimum 2 years of professional experience in credit management.
• Proficiency in SAP, ERP tools, and MS Office is desired.

Skills & Attributes:

• Highly motivated, goal-oriented, and organized self-starter with a strong focus on customer service.
• Ability to interpret and analyse data effectively.
• Strong team player with a commitment to fostering a collaborative work environment.
• Excellent English communication, presentation, and negotiation skills.

Why Join Us?

This is an exciting opportunity to gain hands-on experience in a global organization, working alongside professionals dedicated to excellence in credit management. If you're eager to make an impact and grow your skills in a fast-paced environment, we want to hear from you

At KONE, we are focused on creating an innovative and collaborative working culture where we value the contribution of each individual. Employee engagement is a key focus area for us and we encourage participation and the sharing of information and ideas. Sustainability is an integral part of our culture and the daily practice. We follow ethical business practices and we seek to develop a culture of working together where co-workers trust and respect each other and good performance is recognized. In being a great place to work, we are proud to offer a range of experiences and opportunities that will help you to achieve your career and personal goals and enable you to live a healthy and balanced life.

Read more on

Company Description

MSA Outsourcing Solutions helps businesses reduce staffing costs while maintaining high operational standards. Our approach goes beyond simple recruitment; we integrate your virtual employees as vital team members and provide strong on-site management to ensure they meet KPIs and achieve their goals. This allows your business to grow flexibly without the high costs and management challenges of local hiring.

Role Description

This is a full-time, on-site role for a Collections Specialist located in the Johannesburg Metropolitan Area. The Collections Specialist will be responsible for managing debt collection processes, communicating with clients to arrange cash collections, and providing excellent customer service. The role involves working closely with the finance team to ensure timely and efficient collection of outstanding payments.

Qualifications

• Debt Collection and Cash Collection skills
• Strong Communication and Customer Service skills
• Understanding of US insurance HMO's and Medicare/Medicaid
• Excellent organizational and time management skills
• Ability to work independently and as part of a team
• Experience in a similar role is advantageous
• Bachelor's degree in Finance, Business, or a related field is preferred

LEASE ADMIN AND COLLECTIONS SPECIALIST

Mango5 is looking for a detail-oriented and energetic individual to join our Finance Team as a Lease Admin and Collections Specialist. This position is crucial for handling lease integrations, accounts receivable inquiries, and collections processes. If you are organized, quality-focused, and ready to contribute to a dynamic team, this opportunity is for you!

RESPONSIBILITIES:

• Coordinate with the Integration team to send Lease documents for new site acquisitions.


• Conduct outbound calls to obtain updated payment information.


• Manage outbound integration calls and follow-up correspondence for outstanding leases.


• Handle outbound and inbound collection calls for past-due accounts.


• Collaborate with the Customer Success team to resolve customer disputes and manage billing correspondence.


• Monitor customer payment databases daily for receivable status.


• Initiate lock-out and overlock procedures with Facilities Maintenance


• Execute procedures for towing, abandonment, eviction, and foreclosure.


• Prepare weekly collection reports and assist in collecting aged receivables.

REQUIREMENTS:

• 1-2 years of experience in high-volume collections.


• Experience in lease administration (Advantageous)


• Proven knowledge of Consumer Collections.


• Familiarity with accounting software.


• Ability to thrive in a changing and fast-paced environment.


• Excellent verbal and written communication skills.


• Proficiency in computer use and relevant software applications (SiteLink, Google Workspace, etc.)


• Matric


• Clear Criminal and ITC

WORKING HOURS:

• Rotational shifts based on USA time zone (Mon-Sun)


• Shifts: 14:00 – 23:00 & 21:00 – 06:00 am / 13:00 – 22:00 & 20:00 – 05:00 (depending on Daylight Savings)


• Transport provided after 18:00


• Dynamic Holidays

REMUNERATION PACKAGE:

• Basic Salary Rate: R 11,500.00 


• Allowance: R 500.00


• Commission and Incentives up to: R 3,000.00

BENEFITS:

• Medical Insurance


• LMS


• YouAssist

How to Apply:

If you possess the required skills and are ready to take on this exciting opportunity, please submit your CV. Mango5 is an equal opportunity employer, and we look forward to having you contribute to our success!

Due to high response volumes, if you DO MATCH our criteria but do not hear back from us within 2 weeks, we will keep your CV in our talent pool for future intakes.

Our Client a well boutique call centre seeks experienced call centre currently seeks experienced Debt collection for a UK campaign 

Skills and experience required :

• Matric 
• Debt collection experience min 3 years with UK experience