Collections Representative

Payjoy; Johannesburg; On-site; ZAR 180,000 - 240,000; Full time

Benefits offered by this job

Health insurance (company funded)

Pension Fund

Life and disability insurance (company

Job summary

PayJoy is seeking a collections representative to provide customer service and advise on payments, aiming to reduce arrears in the portfolio. You will contact Merchants and clients to manage collections across assigned portfolios.

The role requires at least 1 year in collections or customer service, with strong communication, teamwork, and empathy under pressure. This is a full-time position based in Johannesburg.

Qualifications

• Completed Technical or partially university studies in related areas such as Business Administration, Communications or similar.
• Intermediate knowledge of Microsoft Office tools and Google Suite.
• Previous experience in collection or customer service preferably in the sales or financial sector, for at least 1 year.
• Effective communication skills, ability to work in a team and handle difficult situations under pressure.
• Ability to demonstrate empathy and a supportive attitude when communicating with our clients, as well as a strong ability to communicate assertively, both orally and in writing.

Responsibilities

• Explain and advise customers on payments, financing details, validation and payments applications.
• Make calls to assigned portfolios to contact Merchants and clients for collections.
• Recover payments from late accounts and report on payment promises.
• Adhere to goals, policies, scripts, procedures and client interactions.
• Contribute to improving current collection strategies.

Skills

Effective communication

Empathy and customer-centric

Resilience under pressure

Teamwork

Attention to detail

Education

Completed technical or partial university studies in Business Administration or related fields

Tools

Microsoft Office

Google Workspace

Job description

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The collections representative is responsible for providing customer service through the various means we have available to advise on their payments, in order to reduce the number of clients in arrears in the portfolio and the risk of overdue accounts receivable.

• Explanation and customer service with any information related to their financing, validation and application of payments.
• Make phone calls according to the assigned portfolio to contact the various Merchants and clients by carrying out the requested collection management.
• Recover payments from clients who are late on their account, organizing clients depending on their level of delay and reporting payment promises.
• Comply with the established goals, complying with the policies, scripts, script, procedures and dealing with the clients.
• Help improve the collection strategies we already have in place.

• Completed Technical or partially university studies in related areas such as Business Administration, Communications or similar.
• Intermediate knowledge of Microsoft Office tools and Google Suite.
• Previous experience in collection or customer service preferably in the sales or financial sector, for at least 1 year.
• Effective communication skills, ability to work in a team and handle difficult situations under pressure.
• Ability to demonstrate empathy and a supportive attitude when communicating with our clients, as well as a strong ability to communicate assertively, both orally and in writing.

• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company-funded employee life and disability insurance
• 20 days vacation, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone Finance, headphone benefit, home office equipment allowance and wellness perks
• Catered Lunch

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

• Finance for the next billion
• Ownership
• Break Through Walls
• Live Communication
• Transparency & Directness
• Focus on Scale
• Work-Life Balance
• Embrace Diversity
• Speed
• Active Listening