Bayport Financial Services (U) Ltd is hiring a Credit Portfolio Officer responsible for supporting the recovery and monitoring of assigned loan accounts under the guidance of the Credit Portfolio Coordinator. The role focuses on executing day-to-day collection activities, client follow-ups, data capture, and basic reporting to ensure timely repayments while maintaining professional customer relationships.

Key Duties and Responsibilities:

Collections Support (Salaried and Non Salaried Portfolios)

• Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.


• Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.


• Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.


• Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

• Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.


• Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.


• Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

• Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.


• Respond to basic client inquiries on balances, payment dates, and repayment processes.


• Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

• Accurately capture all client interactions in the loan management system.


• Maintain proper records of calls made, messages sent, payments received and follow ups required.


• Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

• Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.


• Assist with preparation of portfolio reports, aging summaries, and collection trackers.


• Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

• Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.


• Always maintain confidentiality of client information.


• Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

• Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.


• Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.


• Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.


• Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

• Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.


• Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.


• Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

• Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.


• Respond to basic client inquiries on balances, payment dates, and repayment processes.


• Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

• Accurately capture all client interactions in the loan management system.


• Maintain proper records of calls made, messages sent, payments received and follow ups required.


• Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

• Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.


• Assist with preparation of portfolio reports, aging summaries, and collection trackers.


• Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

• Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.


• Always maintain confidentiality of client information.


• Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

• Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.


• Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.


• Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.


• Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

• Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.


• Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.


• Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

• Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.


• Respond to basic client inquiries on balances, payment dates, and repayment processes.


• Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

• Accurately capture all client interactions in the loan management system.


• Maintain proper records of calls made, messages sent, payments received and follow ups required.


• Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

• Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.


• Assist with preparation of portfolio reports, aging summaries, and collection trackers.


• Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

• Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.


• Always maintain confidentiality of client information.


• Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

• Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.


• Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.


• Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.


• Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

• Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.


• Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.


• Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

• Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.


• Respond to basic client inquiries on balances, payment dates, and repayment processes.


• Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

• Accurately capture all client interactions in the loan management system.


• Maintain proper records of calls made, messages sent, payments received and follow ups required.


• Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

• Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.


• Assist with preparation of portfolio reports, aging summaries, and collection trackers.


• Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

• Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.


• Always maintain confidentiality of client information.


• Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Qualifications, Skills and Experience:

• Bachelor’s degree in business administration, Finance, Accounting, Economics, or a related discipline


• Minimum 1 year experience in credit operations, collections, customer service, or sales in a financial institution (Essential)


• Exposure to salaried and/or informal sector clients (Desirable)


• Basic field collections experience is an added advantage

• Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.
• Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.
• Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.
• Assist in tracking arrears movements and identifying delinquent accounts for escalation.
• Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.
• Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.
• Collect and verify supporting information from employers, clients, or votes where required.
• Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.
• Respond to basic client inquiries on balances, payment dates, and repayment processes.
• Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.
• Accurately capture all client interactions in the loan management system.
• Maintain proper records of calls made, messages sent, payments received and follow ups required.
• Support documentation required for arrears management, restructurings, or escalations.
• Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.
• Assist with preparation of portfolio reports, aging summaries, and collection trackers.
• Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.
• Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.
• Always maintain confidentiality of client information.
• Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

• Customer relationship management
• Time management
• Communications

• Basic reporting skills
• Data capture skills
• Loan management system proficiency