About the Job

The Field Collections Agent is a frontline representative responsible for personally contacting debtors at their residential or business premises to negotiate, collect, and secure outstanding debt payments on behalf of clients. This role requires exceptional interpersonal skills, sound judgment, and a thorough understanding of debt collection regulations, combined with the ability to work independently across diverse environments.

Responsibilities

Field Debt Recovery
Conduct scheduled and unscheduled field visits to debtors' homes, offices, and business premises.
Negotiate repayment plans, settlements, and full payment of outstanding debts in person.
Serve legal notices, demand letters, and repossession orders where applicable.
Investigate and verify debtor information, including current addresses and contact details.
Account Management & Documentation
Maintain accurate, up-to-date field visit logs, call notes, and payment records in the CRM system.
Prepare daily and weekly field activity reports for submission to the supervisor.
Document all interactions with debtors and any evidence gathered during field visits.
Follow up on broken payment arrangements and escalate accounts as required.
Track and manage an assigned portfolio of delinquent accounts across stages.
Client & Stakeholder Liaison
Act as the agency's professional representative when interfacing with debtors and clients.
Provide clients with regular status updates on field activities and account progress.
Coordinate with the legal team regarding accounts recommended for litigation.
Collaborate with internal skip-tracing and call center teams to improve contact rates.
Compliance & Ethical Standards
Adhere strictly to all applicable debt collection laws, regulations, and agency policies.
Maintain professional conduct at all times; avoid harassment, threats, or coercive tactics.
Obtain and verify debtor identity before disclosing account information.
Report any safety concerns, legal threats, or unusual debtor behavior to the supervisor immediately.
Complete mandatory compliance training and certifications as required.
Skip Tracing & Field Investigation
Locate debtors who have changed addresses or are evading contact using approved methods.
Interview neighbors, references, and employers (where permitted) to obtain updated debtor information.
Cross-reference field findings with internal database records to update account information.

Qualifications

MINIMUM QUALIFICATIONS
Diploma or Bachelor's degree in Business Administration, Finance, Law, or a related field.
Minimum 1–2 years of experience in field collections, debt recovery, sales, or a related client-facing role.
Valid driver's license and ability to travel extensively within the assigned region.
Demonstrated knowledge of debt collection laws and consumer rights regulations.
Proficiency in using CRM software, mobile reporting tools, and Microsoft Office Suite.
QUALIFICATIONS THAT ARE A PLUS
2+ years of field debt collection or credit recovery experience.
Experience handling secured and unsecured debt portfolios (mortgages, personal loans, credit cards, trade credit).
Certification in credit management or collections (e.g., CICM, MCCIA, or equivalent).
Demonstrated track record of meeting or exceeding collection targets.

Required Skills

Resilience & ComposureTime managementClear Verbal and written communication skillsNegotiation & PersuasionEthical IntegrityAttention to DetailProblem Solving skillsInitiative & Independent thinker

Benefits

Competitive base salary commensurate with experience.
Performance-based commission and collection bonuses.
Mileage/fuel reimbursement and airtime allowance.
Continuous professional development and compliance training.
Career advancement opportunities within the Collections and Credit Risk division.

Required Documents

Resume / CV Required
Cover Letter Required