Sabi Job Template

About Katsu

We are hiring into Katsu, one of our business units, a licensed microfinance bank focused on delivering modern, efficient financial services through digital channels. We aim to bridge the financial inclusion gap by providing accessible banking services to both businesses and individuals. Our approach combines digital transformation, financial inclusion initiatives, and strong risk management to create a comprehensive banking platform offering a wide range of services from basic banking to other advanced features. The bank emphasizes technological innovation while maintaining strong regulatory compliance and security measures. We aim to contribute to economic growth and development within the communities we serve.
Job Summary
We are seeking an experienced Recovery Analyst, who will support the monitoring, analysis, and execution of the bank’s collections and recovery activities. The role is responsible for tracking overdue accounts, generating insights, coordinating follow-ups, and supporting recovery actions across micro, SME, and retail lending segments. The role works closely with the Recovery Manager, Collections Officers, Risk, and Loan Operations to ensure timely repayments, improved portfolio quality, and minimized credit losses.
What you will be doing

1. Portfolio Monitoring and Analysis

• Track daily overdue accounts and flag emerging delinquencies.
  
• Analyse repayment trends, aging buckets, and customer behaviour patterns.
  
• Identify high-risk accounts and escalate to the Recovery Manager.
  
• Monitor PAR (1/7/30/60/90+) movements and provide insights.
  

2. Collection Support and Follow up

• Coordinate early-stage follow-up with customers through calls, messages, and emails.
  
• Record all customer interactions, promises-to-pay (PTPs), and follow-up outcomes.
  
• Support field recovery activities by providing accurate customer data and overdue details.
  
• Ensure repayment reminders and notifications are timely and factual.
  

3. Data Management and Documentation

• Maintain up-to-date recovery logs and repayment trackers.
  
• Ensure completeness and accuracy of customer data, repayment status, and documentation.
  
• Compile daily, weekly, and monthly recovery reports.
  
• Reconcile repayments and follow up on unapplied payments with Finance/Operations.
  

4. Customer Engagement and Issue Resolution

• Contact customers to understand repayment challenges and recommend solutions.
  
• Provide guidance to borrowers on repayment channels and account issues.
  
• Escalate fraud-related suspicions and irregular behaviour immediately.
  
• Handle customer disputes professionally and escalate unresolved issues.
  

5. Collaboration and Operational Support

• Work closely with Collections Officers, Field Agents, Loan Operations, and Credit Risk.
  
• Assist in developing and updating collections scripts, workflows, and SOPs.
  
• Support recovery campaigns and initiatives to improve repayment performance.
  
• Participate in weekly performance and strategy review sessions
  

Requirements
Special Skills and Qualifications

• Bachelor’s degree in Finance, Business, Accounting,Economics, or related field.
  
• 3–5 years of experience in collections recovery, credit control, or loan portfolio monitoring.
  
• Experience in microfinance, digital lending, or retail credit operations preferred.
  
• Strong analytical skills with ability to interpret financial and customer data.
  
• Proficiency with Excel, CRM tools, or loan management systems.
  
• High attention to detail and documentation accuracy.
  
• Strong collections and negotiation skills.
  
• Strong multitasking and organizational skills.
  

Candidate Specification

• Motivated by the mission of Katsu
  
• Pragmatic with quantitative and analytical ability and attention to detail
  
• Disciplined, proactive, and process-oriented
  
• Persistent and confident in follow-ups
  
• Calm and professional with customers
  
• Strong team player, supportive of shared targets
  
• Ethical, honest, and dependable
  
• Comfortable working with data and reporting tools
  

Our Process:

• Prescreening with the Talent team
  
• Interviews and Case Assessments with the Hiring team.
  
• Follow up interviews with Katsu Leadership team.
  
• Hiring Decision
  

Benefits
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