Ruth Mumbi Kaluba
LUSAKA,Zambia
Summary
To work in a competitive environment on challenging assignments that yield the twin benefits of job satisfaction and steadypaced professional growth.
Experienced in fast-paced environments and adaptable to last-minute changes. Thrives under pressure and consistently earns high marks for work quality and speed.
Overview
4
4
years of professional experience
Work History
KYC verification & Collections Agent
D.light Solar
LUSAKA, ZM
02.2025 - Current
- Company Overview: DtwoC Telecare| Customer care services
- Make outbound calls to customers for KYC verification and debt collection
- Receive inbound calls, addressing customer inquiries and resolving payment issues
- Educated customers consequences of non-payment
- Collecting outstanding payments and negotiate repayment plans with customers
- Maintain accurate records of customer information, transactions, and payment agreements
- DtwoC telecare| Customer care services
Debt collection Agent
Mofin Finance
12.2024 - Current
- Company Overview: DtwoC telecare| Customer care services
- Contacted clients to remind them of outstanding debts and negotiated repayment plans
- Maintained records of customer interactions, payment agreements, and follow-ups
- Educated customers on payment options and financial consequences of non-payment
- Handling customers queries, complaints resolution, customer fund management
- Ensured compliance with company policies and financial regulations
- Resolved disputes professionally while maintaining positive customer relationships
- DtwoC telecare| Customer care services
Mobile Money Manager
ROYAL FLOAT DEALERS
LUSAKA, ZM
03.2021 - 03.2024
- Handle mobile transactions across networks ranging from Airtel, MTN and ZANACO
- Establish and grow customer relationships with ZAF, Ministry of Health and ECZ
- Handling customers queries, complaints resolution, customer fund management
- Managing team building events each quarter
- Managing employee improvement plans and business regulation awareness
Education
Bachelors Degree - Accounting and Finance
National institute of Public Administration(NIPA)
12.2026
GCE Grade12 Certificate -
Munali Girls secondary School
01.2017
Skills
- Innovative
- Honest
- Microsoft Office
- Budgeting
- Financial analysis
- Microsoft Excel
- Customer service
- project management
- Problem solving
- Team collaboration
- Relationship building
- Debt collection
- Records maintenance
- Empathy
- Decision-making
- Analytical thinking
- Time management
- Professionalism
- Prioritization skills
- Payment scheduling
- Conflict resolution techniques
- Following conversation scripts
- Debt negotiation
- Attention to detail
- Team building
- Database maintenance
- Multitasking Abilities
- Process payments
- Professional ethics
- Basic mathematics
- Adaptability
- Team oversight
- Payment plan Management
- Outbound calling
- Problem identification
- New hire training
- Event planning
- Time management abilities
- Payment posting
- Telephone etiquette
- Credit reporting
- History research
- Software proficiency
- Goal orientation
- Call center experience
- Payment acceptance
- Clear communication
- Confidentiality maintenance
- Risk assessment
- Paperwork processing
- Excellent communication
- Conflict resolution
- Performance improvement techniques
- Collections Law Knowledge
- Dispute resolution
- Credit adjustments
- Debt recovery
- Word processing
- Payment plan coordination
- Account review
Languages
English
References
- Mrs. Maggie Catfish, First Alliance Bank, 0966681926
- Mr. Mukanabulwe Shimupoko, Bluefalls Trade, 0978090051
- Mr. Ray Nayunda, Metrological Department, 0978043456
Personal Information
- Date of Birth: 04/25/99
- Nationality: Zambian
N R C
584648/10/1
Languages
English
Proficient
C2
Timeline
KYC verification & Collections Agent
D.light Solar
02.2025 - Current
Debt collection Agent
Mofin Finance
12.2024 - Current
Mobile Money Manager
ROYAL FLOAT DEALERS
03.2021 - 03.2024
Bachelors Degree - Accounting and Finance
National institute of Public Administration(NIPA)
GCE Grade12 Certificate -
Munali Girls secondary School