Arrears Negotiator (Vehicle Finance)

Collections at a vehicle finance collections floor in Germiston is about firm, fair conversations and steady numbers. If you learn fast and don't mind being shown things twice, you'll settle in within a few weeks.

You'll be based at a vehicle finance collections floor in Germiston. Living nearby, or on a taxi route to it, really helps. Most weeks are 45 hours, in line with the BCEA.

• Report daily on rands collected, contacts made and arrangements set.
• Answer disputes about balances, interest and fees with a printed statement.
• Negotiate payment arrangements and set up DebiCheck mandates.
• Record reasons for non-payment so the credit team can adjust policy.
• Track broken promises-to-pay and follow up within 48 hours.
• Hand accounts over for legal action once internal steps are exhausted.
• Dial through your arrears book on the auto-dialler and confirm the debtor's identity.

• Target-driven and comfortable with commission
• At least 6 months in collections, sales or a call centre
• Registered, or willing to register, with the Council for Debt Collectors
• Clear credit and criminal record
• Matric
• Good with numbers, dates and payment calculations

• Legal collections or attorney-firm background
• Knowledge of the NCA and prescription rules
• Experience on a collections system such as Debtmaster or a dialler platform

• Structured weekday hours with only occasional Saturdays
• Monthly incentives for the top three collectors
• Council for Debt Collectors registration paid for you
• Uncapped monthly commission on collected rands

• Show your collection results as numbers (for example "collected R420 000 a month against a R350 000 target").
• Interviewers often role-play a difficult debtor; stay polite, get a date and an amount, and close the call.