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CHANCEN International
Chancen International is a non-profit financial institution providing ethical, fair, and responsible financing to help young Africans access quality tertiary education. Using an innovative Income Share Agreement (ISA) model, we cover students' tuition fees, allowing them to study without financial barriers. Graduates repay a portion of their income once employed, creating a sustainable funding cycle that supports future generations. By empowering young people with education, we enable their transition to meaningful employment, fostering economic mobility and strengthening communities.
Headquartered in Kigali, Rwanda, and operating in Rwanda, Kenya, South Africa, and Ghana, Chancen International has helped over 5,000 young people access education leading to dignified work. Our focus on marginalized populations ensures these youth gain the skills needed to thrive and contribute to building strong economies and peaceful nations.
We are committed to creating an inclusive and positive working environment where each individual can flourish and achieve their full potential. Our actions are guided by our company values: Authenticity, Curiosity, Courage, Stewardship and Fairness.
Job Summary
The Repayment Associate is responsible for ensuring the timely repayment of education financing under the ISA model. This role involves maintaining strong relationships with graduates, monitoring repayment contributions, and implementing early-stage recovery measures. The Associate will also be involved in tracking employment data, engaging in repayment recovery activities, and supporting students throughout their journey with Chancen International.
Key Responsibilities
Track and follow up on due and overdue ISA repayments to ensure compliance.
Conduct daily monitoring of repayment contributions and service fees.
Maintain accurate and up-to-date records of graduates’ employment status and financial obligations.
Contact graduates via phone, email, SMS and physical visits where relevant and other means that may be identified. to remind them of upcoming and missed payments.
Ensure members who miss payments are contacted immediately after a due date is passed.
Advise members on repayment structures and financial commitments as per the ISA agreement.
Maintain a healthy Portfolio at Risk (PAR) rate for assigned members
Engagement with Graduates & Guardians
Build and maintain strong relationships with graduates and their guardians for better repayment follow-ups.
Participate in guardian meetings and workshops to provide financial literacy and guidance.
Meet directly with students and guardians in their local communities to discuss repayment issues.
Work closely with local leaders to obtain information on defaults and assist in debt recovery.
Data Management & Reporting
Maintain accurate databases of all repayment records, member employment details, and collection activities.
Analyze and report default trends, providing proactive recommendations for better recovery rates.
Provide weekly, monthly, and quarterly reports on portfolio performance and repayment success.
Utilize predictive data analysis strategies to identify members at risk of defaulting and implement preventive measures.
Compliance & Recovery
Ensure all debt collection activities adhere to Chancen International policies and regulations.
Participate in recovery committees, proposing appropriate action plans for members in default.
Represent the organization in court proceedings related to debt collection, if necessary.
Ensure seamless transition of active students into the repayment phase.
Support in contract signing processes between Chancen, applicants, and their guardians.
Educational Qualifications and Minimum Requirements
Educational Qualifications
Bachelor’s Degree or Diploma in Accounting, Finance, Business Administration,, or a related field.
2-3 years of experience in collections, repayments, financial services, or customer relations.
Proficiency in Microsoft Excel, including formula usage for tracking repayments.
Experience with CRM systems and data analysis tools is a plus.
Strong skills in reporting, public speaking, and conducting presentations for large audiences.
Sharp communication skills, with the ability to engage different audiences effectively in English and Kinyarwanda
21 days of annual leave, excluding national holidays.
Training, learning and development opportunities and financial support for further education.
Medical insurance/aid coverage and wellbeing initiatives.
A fulfilling work environment in a supportive and entrepreneurially driven organization with clear, frequent growth opportunities.
