To assist and consult with the SAHL defaulting clients to establish the arrear circumstances of the client, carry out a formal assessment and negotiate and implement a approved rehabilitation strategy. To reduce accounts escalating to Foreclosure in order to minimize loss and risk to SA Home loans.

Alignment to business driver/strategy:

  • Low cost servicer and originator: providing a quick and efficient service in the department. Ensure improved productivity and business efficiencies.
  • Alignment to the philosophy and delivery of Amazing service.
  • To proactively contribute to the profitability of the company, by effectively managing the arrears book and minimizing losses.

Key Responsibilities:
Effective Cost control: Financial:

  • Be cautious with costs.
  • Excellent time management.
  • Proactive and value management of key factors iro potential fraud situations/loss areas to ensure SAHL’s 100% profit and minimal loss

Convert non performing loans to performing and minimise arrears:

  • Maintain constant /frequent client contact.
  • Review complete status of account in terms of a risk assessment of the loan account and information that is immediately available, with a view of rehabilitation. Carry out effective and timeous assessments through a thorough analysis on CLIENT, ACCOUNT and PROPERTY RISK within the agreed assessment process.
  • Explore all avenues and make use of all tools available to assist in rehabilitation process to avoid escalation where possible.
  • Make recommendations and support same within agreed mandates. Where applicable submit to management and support same within agreed mandates and in line with the various arrangement plans.
  • Record outcomes of assessment and keep clients/all parties fully informed with regard to progress, queries, and details of arrangements, declines and final outcomes.
  • Carry out administrative functions effectively and timeously in order to support key function of assessment and rehabilitation with a view to minimising risk and avoiding losses.
  • Work with urgency and be pro active and strategic in risk management and given targets.
  • Strict Compliance management of all processes, policies and procedures.
  • Ensure all communications, including written and verbal are of professional standard at all times.
  • Be adaptable to change as and when the dept requires it, assisting colleagues and building interdepartmental relationships (teamwork, reduction in staff, training, testing systems, dept projects, contributing to social & team building activities).
  • Expedite to foreclosure where necessary in respect of risk and minimise losses and NPL’s. Ensure all actions carried out prior to escalation of account.

Minimum Requirements:
Minimum Education Qualification:

  • Matric.


  • Certificate/Diploma in Banking/ Debt Collecting.

Minimum Experience:

  • 1 year Collections Experience in a Home Loan environment.
  • Experience in a Call Centre environment.

Generic Competencies:

  • Assertive and tactful.
  • Target Driven.
  • Effective time management.
  • Accuracy and Attention to Detail.
  • Self Managed.
  • Ability to work under pressure and with urgency.
  • Resilience and ability to handle irate clients.
  • Team Player.
  • High degree of Integrity.

Technical Competencies:

  • Computer literacy: MS Office – Intermediary.
  • Halo and Excalibur.
  • Excellent Written and Verbal communication.
  • Negotiation skills.
  • Basic Numeracy skills.
  • Analytical skills.

Desired Skills:

  • Collections
  • Home Loans
  • Debt Collecting
  • Call Centre environment

Desired Qualification Level:

  • Grade 12 / Matric

Learn more/Apply for this position