Asset Recovery Officer – Vehicle Repossession

About the role

Spectrum Credit Limited is looking for an Asset Recovery Officer to locate, repossess and recover motor vehicle collateral for secured lending facilities across Solwezi, Copperbelt and Lusaka. The role focuses on timely, lawful and safe recovery while minimizing losses.

Key responsibilities

• Receive and execute approved repossession orders within required turnaround times.
• Locate, secure and repossess motor vehicles in default following company procedures and applicable laws.
• Coordinate with tracking companies, investigators and internal teams to obtain accurate asset location data.
• Conduct on‑site repossession checklists, assess vehicle condition, verify details and document findings.
• Complete a second checklist upon delivery of repossessed assets to storage yards.
• Engage customers on‑site, communicate arrears and facilitate account regularisation where possible.
• Safely transport vehicles to approved yards with proper documentation.
• Update repossession progress in internal systems and provide timely status reports.
• Prepare daily repossession reports and incident reports, reporting disputes, damages or incidents and recommending corrective actions.
• Ensure compliance with company policies, safety standards and regulatory requirements.

Required profile

• Certificate or Diploma in Business, Finance, Management or related field.
• 1–2 years experience in asset recovery, repossessions or field collections.
• Strong problem‑solving, communication and negotiation abilities.
• Analytical mindset with customer‑service orientation.
• Ability to produce accurate reports and understand asset‑secured lending products.
• Valid driver’s licence.

Required skills

• Proficiency in Microsoft Office (Word, Excel, PowerPoint).