A Repossession Agent (a.k.a. Repossessor / Collections Officer / Collections Field Agent. and a specialisation of Debt Collector) recovers goods or security assets when a debtor defaults on a loan. Their duties include locating the property, coordinating its transfer, and ensuring compliance with relevant laws and regulations. They may also be involved in calculating repossession costs and may help the lender determine financing options.

Investigating leads, contacting debtors, and physically recovering goods, often a vehicle; facilitates the transfer of ownership through banks or other financial institutions; adhere to all applicable laws and regulations, including those related to debtor rights and proper handling of repossessed goods; completes item condition reports, inventory reports, and other record-keeping required by the lender or debt collection agency; Repossession Agents often interact with debtors and must maintain a professional demeanour, even in challenging situations; Agents may need to operate towing equipment to transport repossessed vehicles or liaise with tow-truck drivers.

• Works indoors in offices, call centres, and people’s homes. Works outdoors when searching for debtors and loading repossessed items.
• Indoor workspaces are generally adequately heated, ventilated, cleaned, and lit; however conditions may vary substantially when visiting people’s homes.

• Light to medium physical demand levels.
• Sits frequently to liaise with clients, colleagues, and when in attendance at briefing meetings.
• Frequently stands and walks when visiting debtors and attending meetings.
• Stretching, twisting, climbing, and lifting may occur occasionally to frequently depending on the nature of the repossession but are not actions which are typically significant components of the job.
• Bending, squatting, or crouching can occur in actioning repossessions.
• Driving is likely to be required on a frequent to constant basis.
• Use of minor office hand-held objects and equipment such as pens, calculators, and staplers, as well as ICT devices will be occasional to frequent.
• Repetitive hand and finger movements are frequent when operating ICT devices or using writing implements.
• Mental skills necessary include communication (including negotiation), research, organisation, and administration skills.

• An NZQCF Level 2 or 3 qualification or at least one year of relevant experience (ANZSCO Skill Level 4). All Repossession Agents must hold a relevant licence and all repossession employees must have a Certificate of Approval (COA).
• A minimum of a Class 1 Driver Licence will be required, or additional classes or endorsements if larger or specialist vehicles, e.g. tow-trucks, need to be operated to move repossessed goods/assets.

There are opportunities for flexibility of movement.