POSITION: RISK, COLLECTIONS AND REHABILITATION OFFICER
Location: Blantyre, Lilongwe and Mzuzu
OVERVIEW
Sycamore Credit Limited is a Malawian-owned Micro Finance Company that provides loan products. Sycamore Credit Limited was incorporated in April 2018 by the Registrar of Companies and was licensed to operate as a microfinance company in August 2018 by the Reserve Bank of Malawi. The company is looking for a Risk, Collections and Rehabilitation Officer based in Blantyre, Lilongwe and Mzuzu.
JOB PURPOSE
Reporting to the Risk, Collections and Rehabilitation Supervisor. The role of a Risk, Collections and Rehabilitation Officer is loan collection of nonperforming and written-off loans. Be committed to the vision, mission, values, and motivation of the organization.
KEY RESPONSIBILITIES
1. Risk Management
- Monitor and assess credit risk across the institution’s loan portfolio
- Conduct risk assessments and ensure adherence to credit policies and procedures
- Identify potential risk exposures and recommend mitigation strategies
- Contribute to the development and updating of risk management frameworks and tools
- Support internal audits and regulatory risk reporting
2. Loan Collections
- Track overdue loans and implement effective collection strategies
- Coordinate follow-up with delinquent clients via field visits, phone calls, or formal letters
- Work closely with branch staff to ensure timely loan repayment
- Maintain accurate records of collections and client communications
- Analyse trends in late payments and defaults to inform collection strategies
3. Loan Rehabilitation
- Develop rehabilitation plans for non-performing loans (NPLs)
- Engage clients in restructuring or rescheduling loan terms where necessary
- Collaborate with legal teams or third parties on loan recovery processes, including collateral seizure where applicable
- Recommend write-offs or provisions for irrecoverable loans in line with policy
4. Reporting and Compliance
- Prepare periodic reports on portfolio quality, collections performance, and risk indicators
- Ensure compliance with internal policies, regulatory requirements, and lender covenants
- Maintain client confidentiality and uphold ethical standards in all recovery actions
QUALIFICATIONS
- Diploma in any business-related practice from a recognized University or a higher institution of learning
KNOWLEDGE AND SKILLS
- Experience in a microfinance institution and collection and recovery skills will be an added advantage
- Strong competency in using computers, especially Microsoft Office
- Strong understanding of credit operations, particularly lending methodologies and processes, credit, and risk management
- Good and valuable customer relationship management skills
- Knowledge of the economy/markets where Sycamore Credit Ltd is operating
- Excellent negotiation, presentation, communication, and interpersonal skills
- Strong desire to work with the economically active and willing to help create wealth for Sycamore Credit Ltd customers
MODE OF APPLICATION
We will only receive applications through email. If you believe you meet the above requirements, submit your email indicating on the subject matter the position and district of choice. Also attached application letter, an up-to-date Curriculum Vitae, copies of certificates, and names of three (3) traceable referees addressing the Chief Operations Officer, Sycamore Credit Limited,
P O Box 805,
Blantyre
to: hr@sycamorecredit.com
by 20 January 2026.
In your letter indicate your salary expectation.
Only candidates who meet the set requirements will be shortlisted and acknowledged.