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Recovery Officer


About OXUS Afghanistan

OXUS Afghanistan started Operation in 2005 under support of ACTED, a development and relief NGO, which is operating in twenty five Countries of the world, and Microfinance Investment Support Facility for Afghanistan (MISFA).
Currently, OXUS Afghanistan has a portfolio of over AFN 978 million with an outreach of about 24,000 customers managed through 25 Branches, 10 provinces. OXUS Afghanistan is a part of OXUS Group, a global network of Microfinance Institutions created by ACTED, a leading international NGO operating in 25 countries. OXUS Afghanistan was created with funding from the Microfinance Investment Support Facility for Afghanistan (MISFA), a Government Apex agency set up by international donors in 2003 in order to develop and support the microfinance sector in Afghanistan.
OXUS Afghanistan Provides conventional and Islamic financing. OXUS -Afghanistan has individual and group lending which helps Afghan people have access to finance. OXUS-Afghanistan provides financing for youth and women as women improvement process and support them for better access to finance.

Job Summary

The Recovery Officer is responsible for the collection of late loans. He has to make sure that all set targets and goals are achieved:

Job Details

Date Posted: 13 Oct 2018 Reference: 00-13-2018
Closing Date: 20 Oct 2018 Work Type: Full Time
Number of Vacancies: 2 Gender: Male
Functional Area: Law Open Ended: NO
Nationality: Afghan Salary Range: As per company salary scale
Contract Type: Permanent Years of Experience: 3 Year(s)
Contract Duration: 0 Year(s) & 0 Month(s) Extension Possibility: No
Probation Period: 3 Months

Duties and Responsibilities

a) Work on the recovery of all the late loans as assigned by COO/Senior Management and or Recovery Manager/Arrears recovery Committee.
b) Take a hand over of all the loans late loans as assigned by Operation department.
c) Put pressure on the clients on the field to collect the late installments.
d) Use all the means at his disposition to recover the money.
e) Visit very regularly late clients, be very strict with them to make them realize that they should better repay the loan
f) Give clear message to the delinquent client on the fact that OXUS will never give up pressurizing him to make him repay the installments.
g) Put a strong Psychological and Social pressure on the delinquent clients to convince them to repay the loans
h) Use all the contact available in the communities with local leaders to recover the money.
i) Pressurize the client and his family to recover the money.
j) Pressurize the guarantor to recover the money
k) If it seems useful, use the police department or the legal department of the area to recover the money.
l) Implement the selling of late client’s collaterals or assets in link with Legal officer and or recovery Manager.
m) Advise other loan officers in term of delinquency management and actions to take against delinquent clients
n) Send weekly collection report to the Head Quarter and or Recovery Manager.
o) The recovery officer position is a regional position. He is based in the regions and working on the delinquency of all the branches of the region.
p) The Recovery Officer is working under the supervision of the Recovery Manager.
q) The recovery manager will work in close coordination interaction with Legal and operation department


v) Strong communication skill is required.
w) Having good linkages and relations with the local governments.
x) Advocate layer will be preferred


r) BA degree in law, criminology, Sharia and or Economic preferred.
s) age should be 25 and above
t) Familiarity with Afghanistan legal system.
u) Work experience in police and or judicial system is preferred.

Job Location

Afghanistan - Kabul
AF AF 12


Bachelors Degree, Law

Submission Guideline

Make sure to write the province name and position title and vacancy number in the subject line of your email and send your CV along with a cover letter to:

For hard copy submission; submit your CV along with a cover letter to OXUS HR Department, House # 600, Street # 6, Qala-e-Fatullah Khan, Kabul, Afghanistan.

Submission Email

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