Collections Specialist

Credit+ Collections Specialist

About Credit+

Credit+ is a new and ambitious consumer lending business launching in Morocco in 2025. We're on a mission to transform the way people access and manage credit - with fast, fair and fully digital financial products built for everyday Moroccans.

Backed by world-class technology and deep local insight, Credit+ is set to redefine borrowing for millions of underserved and overlooked customers in Morocco. We're building from the ground up - assembling a bold, smart and mission-driven team ready to shape the future of consumer finance in the region.

Why Credit+ is a great place to be

Our ambitio
n. We are looking to become a leading provider of credit within Morocco, making it easy for users to access credit solutions and we are looking for ambitious individuals to join this journey as we scale.

Our culture
. We go above and beyond to provide an amazing customer experience and we make our apps not just easy but fun to use. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the -we over me' culture.

Tasks

• Conducting effective centralised efforts aimed at ensuring borrowers fulfil their obligations on lending accounts (voluntary/pre-litigation repayment of overdue debts) at pre litigation
• stage.Ensuring the repayment of overdue
• debts.Ensuring the achievement of the established plans.

Job Responsibilities

• Conduct activities aimed at recovering overdue/unauthorised debts during the pre-litigation stage across the entire loan portfolio in accordance with the Company's approved procedures
• Achieve individual and collective plans, norms, and tasks assigned by management and outlined in the Company's internal regulatory documents and processes
• Negotiate with clients to ensure repayment of overdue debts
• Make outbound calls to clients, adhering to established norms and standards for phone communication, to notify them about the occurrence/existence of overdue/unauthorised debts and the necessity of repayment
• Handle incoming calls promptly
• Investigate and resolve issues related to uncredited repayment amounts in client accounts, based on the client lists provided
• Provide consultations to clients on current obligations
• Identify reasons for non-payment of overdue debts and determine repayment timelines
• Appropriately respond to and address client complaints and dissatisfaction
• Maintain record of the outcomes of interactions with debtors
• Monitor and update the client database with statuses of completed work, maintaining client histories, and documenting negotiations
• Act promptly to update contact information in cases of incorrect client notifications
• Communicate client problems and suggestions related to existing or potential overdue debts to the Collection Manager
• Participate in testing new technologies and specialised software to enhance operational efficiency
• Take part in pilot projects of the Department (in accordance with assigned roles and authority)
• Prepare and submit required reports in a timely manner, including detailed statistical reports on completed work.

Required Skills and Knowledge

• 2 years experience as a collection / debt recovery specialist over various channels of communication (calls, emails etc)
• Knowledge of MA laws and regulatory-methodological documents governing the activities of the Company
• Familiarity with orders, departmental instructions, and regulatory documents related to the Department necessary for performing job responsibilities
• Understanding the economic essence and technology of basic banking operations and services
• Fundamentals of computer-based information processing technologies
• Awareness of information considered official, banking, commercial secrets, or confidential in nature