Joseph Jethro Kisiang'ani Otuma

I’m a results-driven Collections and Recoveries professional with extensive experience across banking, microfinance, Saccos, and consumer lending. I focus on loan recovery, portfolio risk management, customer negotiations, and regulatory compliance—delivering sustainable recovery outcomes with customer-centric, ethical execution.

In my current role as a Recovery Agent at Absa Bank Limited, I meet daily productivity requirements for calls, PTPs, and kept promises (KPs), supporting 100% optimization of the collections function. I recover overdue loan and credit card accounts using approved negotiation strategies, consistently achieving 95%+ monthly recovery targets while keeping portfolios within limits through sound credit judgment.

Previously, as a Field Agent at Fourth (4th) Generation Capital Limited, I recovered 65–80% of delinquent balances across 1–90 DPD accounts through phone and field collections, settlements, and market clean-ups. I managed a loan portfolio of KES 30M+ with PAR ≤5%, reduced overdue accounts by 20% quarter-on-quarter, and cut NPL migration by 25% through early-stage delinquency intervention and borrower engagement. At Kimisitu Sacco Limited, I served as a Debt Recovery Officer, analyzing non-performing loans with aging reports and portfolio data, negotiating repayment plans, and ensuring recovery documentation integrity for 90+ DPD accounts while coordinating legal recoveries where required.

Earlier, as a Collections & Recovery Officer at LipaLater Limited, I updated recovery records daily, prioritized calling lists by delinquency severity, and used skip tracing to recover outstanding balances. Across roles, I’ve maintained strong control and compliance performance, used CRM/ERP and reporting tools to capture accurate follow-ups, and applied customer service standards for walk-in, phone, and email collections. I hold a Bachelor of Science in Economics & Statistics, and I bring disciplined analytics, clear communication, and hands-on leadership to help teams exceed collection targets without compromising portfolio quality.