About Company
Millennium bim (Banco Internacional de Moçambique, S.A.) is Mozambique’s largest private bank and a key player in the country’s financial sector. Part of the larger BCP Group, we are committed to driving economic growth and social development by providing innovative and accessible financial solutions to individuals, businesses, and corporate clients across Mozambique. With a vast network of branches and ATMs, and a strong focus on digital transformation, Millennium bim prides itself on its customer-centric approach, operational excellence, and commitment to the communities it serves. We believe in fostering a diverse and inclusive work environment where talent is nurtured, and employees are empowered to achieve their full potential, contributing to a brighter financial future for all Mozambicans.
Job Description
Are you an organized, empathetic, and persistent individual with a keen eye for detail, seeking a meaningful part-time opportunity to leverage your communication and negotiation skills? Millennium bim, a cornerstone of Mozambique’s financial landscape and one of the country’s largest and most respected banks, is actively seeking a dedicated Part-Time Debt Recovery Clerk to bolster our dynamic team in Maputo. This pivotal role offers a unique chance to contribute significantly to the financial stability and health of the bank by diligently managing overdue accounts and fostering positive, constructive relationships with our diverse client base.
As a Debt Recovery Clerk, your primary mission will be the ethical and efficient recovery of outstanding debts from individuals and businesses, always adhering strictly to Millennium bim’s established policies, internal procedures, and all applicable Mozambican legal and regulatory frameworks. This role transcends mere collection; it’s fundamentally about understanding individual financial circumstances, empathetically offering viable and sustainable solutions, and meticulously upholding the bank’s reputation for fairness, transparency, and integrity. You will engage with clients through a variety of channels, including proactive phone calls, professional emails, and, when necessary, occasional in-person meetings. Your objective will be to negotiate realistic payment plans, provide clear and concise information regarding their financial obligations, and guide them step-by-step towards a mutually beneficial resolution. Your exceptional ability to communicate effectively, demonstrate genuine empathy in diverse and sometimes challenging situations, and maintain a calm, professional demeanor even under pressure will be absolutely critical to your success and the overall effectiveness of our recovery operations.
This part-time position is thoughtfully designed to offer valuable flexibility, providing a rewarding work-life balance while enabling you to perform impactful work within a highly professional and structured banking environment. You will work in close collaboration with our seasoned full-time debt recovery specialists, gaining invaluable hands-on insights into the intricacies of the banking and finance sector in Mozambique. The role inherently demands meticulous record-keeping, ensuring that all client communications, agreed-upon payment arrangements, and account activities are accurately and promptly documented within our advanced internal systems. Furthermore, you will be instrumental in the preparation of regular reports detailing collection activities, performance metrics, and portfolio status, directly contributing to the achievement of departmental objectives and strategic goals. If you are a self-motivated individual possessing a strong sense of responsibility, unwavering persistence, and a genuine passion for problem-solving, eager to make a tangible difference within a supportive and growth-oriented team, we warmly encourage you to submit your application. Join Millennium bim and become a vital part of our mission to continue serving the financial needs of Mozambique with unparalleled excellence and unwavering commitment.
Key Responsibilities
- Contact debtors via phone, email, and mail to discuss outstanding payments and negotiate repayment plans.
- Listen actively to debtors' situations, demonstrating empathy while upholding company policies.
- Accurately update and maintain debtor records and account statuses in the internal database.
- Follow up on promised payments and ensure adherence to agreed-upon payment schedules.
- Prepare daily and weekly reports on collection activities and outstanding balances.
- Adhere strictly to all relevant debt collection laws and regulations in Mozambique.
- Collaborate with the debt recovery team to identify and implement effective collection strategies.
- Escalate complex cases to senior management or legal counsel as appropriate.
- Provide excellent customer service while resolving disputes and inquiries related to outstanding debts.
Required Skills
- Proficiency in Portuguese (written and verbal) is essential.
- Strong negotiation and persuasion skills.
- Excellent verbal and written communication abilities.
- High level of empathy and emotional intelligence.
- Exceptional attention to detail and accuracy in data entry.
- Proven ability to work independently and as part of a team.
- Basic computer literacy (MS Office Suite, especially Excel).
- Ability to handle confidential information with discretion.
Preferred Qualifications
- Previous experience in debt recovery, customer service, or a banking/financial environment.
- Knowledge of banking products and services.
- Familiarity with Mozambican financial regulations and legal aspects of debt collection.
- Fluency in English or other local languages is a plus.
Perks & Benefits
- Competitive part-time salary.
- Opportunity for professional growth and development within a leading bank.
- Supportive and collaborative work environment.
- Flexible working hours to promote work-life balance.
- Access to internal training programs.
- Contribution to a respected national institution.
How to Apply
If you are passionate about contributing to a leading financial institution and possess the required skills and experience, we encourage you to apply! Please click on the link below to submit your application directly through our careers portal. Ensure your CV and cover letter clearly highlight your relevant experience and why you are a great fit for this part-time Debt Recovery Clerk position.