FinTech Collections Specialist: Early Arrears & Recovery

Lesaka Technologies; Johannesburg; On-site; ZAR 180,000 - 360,000; Full time

Job summary

Lesaka Technologies in Johannesburg is seeking a Collections Specialist to manage arrears across Capital Connect lending book, ensuring compliant engagement with customers and protecting cash flow and profitability. You will lead daily collections activities, negotiate settlement arrangements, and coordinate with Sales, Credit, and Admin teams.

The role requires 2–4 years in credit collections, knowledge of regulatory frameworks including FICA and POPIA, and strong written and verbal

Qualifications

• Matric (Grade 12) – essential.
• Qualification in Credit, Collections, Finance, Legal, or Risk – advantageous.
• 2–4 years’ experience in credit collections or recoveries.

Responsibilities

• Action daily unpaid debit orders and follow up directly with customers
• Conduct early‑stage collections (Stages 1–2) to prevent accounts ageing into deeper arrears
• Update arrears notes, system statuses, and maintain audit‑ready records
• Prioritise high‑risk accounts and ensure proactive engagement aligned with collections strategy
• Generate and issue Letters of Breach and Letters of Demand in line with internal policy
• Prepare accounts for handover to external legal partners where required
• Ensure accurate documentation and compliance during legal escalation
• Track handed‑over accounts and liaise with attorneys as needed
• Negotiate and structure Payment Arrangements in line with credit policy and mandates
• Draft and process Acknowledgements of Debt (AODs)
• Monitor adherence to payment arrangements and follow up on any defaults
• Support loan lifecycle management where collections input is required
• Identify and elevate risk trends, behavioural patterns, or recurring issues
• Ensure all collections activity adheres to regulatory frameworks including FICA, POPIA, and responsible lending practices
• Support vault‑based collections where physical intervention or investigation is required
• Engage with Sales or field teams for on‑site customer contact when necessary
• Maintain strong controls and risk discipline during vault recovery processes
• Collaborate closely with Sales, Credit, and Admin teams on arrears and customer status
• Handle customer and internal queries professionally, providing clear feedback on outcomes
• Escalate high‑risk or complex cases to the Head of Credit

Skills

Negotiation skills

Customer communication

Attention to detail

Education

Matric (Grade 12)

Credit/Finance/Risk qualification

Job description

Lesaka Technologies in Johannesburg is seeking a Collections Specialist to manage arrears across Capital Connect lending book, ensuring compliant engagement with customers and protecting cash flow and profitability. You will lead daily collections activities, negotiate settlement arrangements, and coordinate with Sales, Credit, and Admin teams.

The role requires 2–4 years in credit collections, knowledge of regulatory frameworks including FICA and POPIA, and strong written and verbal