Introduction to the Job
Sana Builders & Developers is looking for a Recovery Officer to join our team in Garden East, Karachi. This is a full-time, on-site role that involves debt collection, financial analysis, and negotiation to recover outstanding payments from clients.
As a Recovery Officer, you will be responsible for ensuring timely collections, maintaining good client relationships, and resolving disputes related to payments. Your role will require strong communication, problem-solving, and negotiation skills to handle recovery processes efficiently.
If you have experience in debt collection, finance, or customer service and are looking for a dynamic role in a well-established company, we encourage you to apply!
Responsibilities
As a Recovery Officer, your key responsibilities will include:
1. Managing Debt Collection Processes
- Contacting clients to remind them about outstanding payments.
- Following up through calls, emails, and in-person visits to recover overdue amounts.
- Ensuring timely recovery to meet company targets.
2. Assessing Financial Situations & Negotiating Payments
- Analyzing clients’ financial status to understand payment challenges.
- Negotiating and setting up installment plans for customers facing financial difficulties.
- Offering alternative payment solutions while maintaining company policies.
3. Maintaining Accurate Records & Reports
- Keeping detailed records of all communication and payment agreements.
- Preparing weekly and monthly reports on recovery progress.
- Escalating unresolved cases to the legal or senior management team when necessary.
4. Handling Customer Queries & Resolving Disputes
- Addressing clients’ concerns about their outstanding dues.
- Resolving billing errors, misunderstandings, or disputes professionally.
- Ensuring positive client relationships while securing payments.
5. Collaborating with Internal Teams
- Coordinating with the finance, legal, and customer service teams to streamline the recovery process.
- Providing feedback on recurring issues to improve internal financial management.
Qualifications
To succeed in this role, you should have:
1. Education & Experience
- Bachelor’s degree in Finance, Business Administration, Accounting, or a related field.
- 1-3 years of experience in debt collection, finance, or recovery management (preferred).
2. Communication & Interpersonal Skills
- Strong verbal and written communication skills in English and Urdu.
- Ability to handle difficult conversations with diplomacy and professionalism.
- Excellent negotiation and persuasion abilities to secure payments.
3. Financial & Analytical Skills
- Understanding of debt collection practices, financial statements, and credit control.
- Ability to assess financial risks and suggest suitable repayment plans.
4. Problem-Solving & Organization
- Strong decision-making and analytical skills to handle complex recovery cases.
- Ability to manage multiple accounts while ensuring timely follow-ups.
5. Proficiency in Tools & Software
- Experience with CRM software, accounting tools, and Excel for maintaining records.
- Familiarity with financial regulations related to debt collection (preferred).
Benefits of Working with Sana Builders & Developers
Joining our team as a Recovery Officer comes with multiple advantages:
1. Competitive Salary & Incentives
- Market-competitive base salary with potential performance-based bonuses.
- Additional incentives for achieving collection targets.
2. Career Growth & Learning Opportunities
- Opportunities for career advancement in finance, credit control, and risk management.
- On-the-job training and mentorship programs.
3. Professional Work Environment
- A supportive and professional workplace that values employees’ contributions.
- Collaboration with industry experts in real estate and finance.
4. Work-Life Balance
- Fixed working hours with weekends off (as per company policy).
- Employee wellness programs to maintain a healthy work-life balance.
5. Job Stability & Security
- A full-time, permanent position with long-term career prospects.
- A well-reputed company in the real estate sector, ensuring job stability.
Applying Guide
Interested in joining our team? Follow these steps to apply:
1. Prepare Your Resume
- Highlight your experience in debt collection, customer service, and finance.
- Emphasize your negotiation, problem-solving, and communication skills.
2. Write a Cover Letter (Optional but Recommended)
- Explain why you are a strong candidate for this role.
- Mention any relevant achievements in debt recovery.
3. Submit Your Application
- Click on the Easy Apply button on the job listing.
- Alternatively, send your resume to [company’s email] with the subject line “Application for Recovery Officer – Karachi.”
4. Interview Process
- If shortlisted, you will be contacted for a phone or in-person interview.
- You may be required to take a short assessment to test your negotiation and finance skills.
Frequently Asked Questions (FAQs)
1. What does a Recovery Officer do?
A Recovery Officer manages debt collection by contacting clients, negotiating payment plans, and ensuring outstanding payments are received on time.
2. Do I need experience in finance or banking for this role?
While finance or banking experience is preferred, candidates with customer service or sales backgrounds and strong negotiation skills can also apply.
3. Is this a field job or an office-based role?
This role involves both office work and field visits to meet clients when necessary.
4. What are the working hours?
The standard working hours are Monday to Friday, 9:00 AM – 6:00 PM.
5. What skills are essential to succeed as a Recovery Officer?
Strong communication, negotiation, and financial analysis skills are key. You should also be organized, detail-oriented, and proactive in following up on payments.
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