Senior Collections Officer

SilverChef; Sol Plaatje Local Municipality; On-site; ZAR 350,000 - 520,000; Full time

Benefits offered by this job

Flexible work options

Career development

Top 40 Inspiring Workplaces

B Corp certification

Job summary

SilverChef is seeking a Senior Collections Officer to lead a complex arrears and recovery portfolio within our Credit Risk & Recovery Operations team. You will analyse risks, develop recovery strategies, and negotiate resolutions to minimise losses while maintaining respectful, customer-focused engagement.

You will work with customers, legal representatives and external partners to maximise recoveries and protect the brand.

Qualifications

• 3+ years in collections, recoveries or credit in financial services.
• Strong negotiation, influencing and conflict resolution skills.
• Excellent communication and stakeholder management.
• Analytical and problem-solving abilities with attention to detail.
• Understanding of collections legislation and guidelines.
• Experience with insolvency or legal recovery processes is a plus.
• Strong commercial acumen balancing customer outcomes and risk.

Responsibilities

• Manage a complex arrears and recovery portfolio to improve performance and minimise financial losses.
• Negotiate with customers, legal representatives and recovery partners to maximise recoveries.
• Identify and escalate portfolio risks, trends and high‑risk accounts for risk management.
• Provide timely portfolio insights and recommendations to support decisions.
• Strengthen customer relationships and protect the SilverChef brand through respectful engagement.
• Meet individual and team KPIs while supporting improvement initiatives.
• Support departmental projects and other responsibilities as required.

Skills

Negotiation

Communication

Stakeholder management

Analytical thinking

Conflict resolution

Risk awareness

Job description

Job Category: Call Centre and Customer Service

About Us:

Be part of a fast-growing, highly successful global finance business that does things differently. Our finance product portfolio is a mix of established and new products that help hospitality businesses get started and grow. We are genuinely committed to helping our customers achieve their dreams, and we’ve already invested more than $2bn in the hospitality industry globally.

We are excited about our future and we are really excited about yours!

About the Opportunity:

We're looking for an experienced and commercially focused Senior Collections Officer to join our Credit Risk & Recovery Operations team. You'll manage a diverse portfolio of complex arrears and recovery accounts, working closely with customers, legal representatives, external administrators, Collections Partners and internal teams to achieve the best possible outcomes.

Your day will include analysing portfolio risks, developing recovery strategies, negotiating resolutions and driving positive recovery outcomes. You'll play a key role in minimising financial losses, providing valuable portfolio insights and ensuring customers are supported through fair and respectful engagement.

This is a great opportunity for someone who enjoys solving complex problems, influencing outcomes and balancing customer needs with commercial decision-making.

Your key contributions include:

• Managing a complex arrears and recovery portfolio to improve portfolio performance, minimise financial loss and achieve positive customer outcomes.
• Negotiating with customers, legal representatives and recovery partners to resolve arrears and maximise recoveries.
• Identifying, assessing and escalating portfolio risks, emerging trends and high-risk accounts to support effective risk management.
• Providing timely portfolio insights and recommendations to support informed business decisions.
• Strengthening customer relationships and protecting the SilverChef brand through respectful and customer-centric engagement.
• Meeting individual and team KPIs while supporting continuous improvement initiatives and departmental objectives.
• Supporting departmental projects and other responsibilities as required, consistent with the scope and seniority of the role.

What You’ll Need to Succeed:

• 3+ years of proven experience in collections, recoveries or credit, preferably within financial services.
• Strong negotiation, influencing and conflict resolution skills, with the ability to achieve commercially sound outcomes.
• Excellent communication and stakeholder management skills, with the ability to build effective relationships across a diverse range of internal and external stakeholders.
• Strong analytical and problem-solving capabilities, supported by sound judgement and attention to detail.
• Understanding of collections legislation, the National Debt Collection Guidelines and industry best practice.
• Experience working with insolvency, external administrations or legal recovery processes will be highly regarded.
• Strong commercial acumen, with the ability to balance customer outcomes, risk management and business objectives.

The Perks:

• We offer a competitive salary and a range of flexible working options to support a positive work/life balance for all our people.
• SilverChef was recognised as one of the Top 40 Inspiring Workplaces in Australasia 2026.
• We invest in your personal and professional development.
• We are high-growth company focused on career development for our people - 16% of our people were supported to achieve a promotion, secondment or internal move during FY2025.
• We are a purpose and values-led business, where the right attitude and behaviours are valued alongside performance, creating a vibrant, positive and supportive workplace.
• SilverChef is a Certified B Corp – part of a movement of businesses that balance profit with purpose.

Our Commitment to Diversity:

SilverChef provides a welcoming environment where our people can bring their authentic selves to work each day. We value diversity of culture, ethnicity, race, gender identity, nationality, age, colour, religion, disability, sexual orientation and beliefs – because diverse perspectives make for better decision-making, enhanced problem-solving and brilliantly creative teams.