Background

4G Capital (4th Generation Capital) is Africa's fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses and entrepreneurs who use our credit to grow their businesses.

Why This Role Matters

As a Field Recovery Agent, you are vital to sustaining our mission. In our ecosystem, collections are not about rigid enforcement; they are about helping entrepreneurs recover, rebuild, and succeed while safeguarding the financial health of our organization. You will combine relationship management, empathetic negotiation, and field strategy to turn challenging situations into opportunities for customer recovery and long-term success.

Key Responsibilities

• Proactive Account Management: Oversee assigned delinquent customer portfolios to ensure timely payment recovery while consistently achieving daily and monthly performance targets.
• Ethical Recovery & Problem Solving: Investigate customer queries, resolve disputes, and develop practical, personalized repayment solutions that balance customer needs with commercial outcomes.
• Field Engagement & Stakeholder Collaboration: Conduct field visits to engage customers directly, prepare post-visit action plans, and collaborate with branch teams, Call Centre staff, local administration, and community leaders to support recovery efforts.
• Reporting & Compliance: Maintain precise collection records and customer documentation while adhering strictly to regulatory standards, company policies, and ethical collection practices.

Who You Are

We are looking for resilient, solution-focused professionals who combine strong commercial acumen with deep empathy and integrity.

Qualifications & Requirements

• Education: Diploma or Degree in a Business-related field.
• Experience: Mandatory experience in debt collection, with a strong background in customer engagement.
• Skills: Outstanding negotiation, communication, and interpersonal capabilities coupled with sharp problem-solving skills and attention to detail.
• Flexibility: Willingness to relocate and work anywhere within Kenya.
• Discretion: Demonstrated ability to handle confidential customer data with complete integrity.

Desirable Strengths

• Experience in microfinance, financial services, or unsecured MSME lending.
• Proven track record in field collections and engaging local community stakeholders.
• Knowledge of credit risk management and portfolio recovery strategies.

• Proactive Account Management: Oversee assigned delinquent customer portfolios to ensure timely payment recovery while consistently achieving daily and monthly performance targets.
• Ethical Recovery & Problem Solving: Investigate customer queries, resolve disputes, and develop practical, personalized repayment solutions that balance customer needs with commercial outcomes.
• Field Engagement & Stakeholder Collaboration: Conduct field visits to engage customers directly, prepare post-visit action plans, and collaborate with branch teams, Call Centre staff, local administration, and community leaders to support recovery efforts.
• Reporting & Compliance: Maintain precise collection records and customer documentation while adhering strictly to regulatory standards, company policies, and ethical collection practices.

• Outstanding negotiation
• communication
• interpersonal capabilities
• sharp problem-solving skills
• attention to detail
• handle confidential customer data with complete integrity

• Diploma or Degree in a Business-related field
• Mandatory experience in debt collection, with a strong background in customer engagement
• Willingness to relocate and work anywhere within Kenya