If you are persuasive, detail-oriented, and can handle financial conversations with professionalism and tact, the position of Collection Officer (Post-Loan) at Careers Verified offers you the opportunity to work at the core of credit recovery and client management. This role is ideal for someone who thrives in fieldwork, can manage pressure, and understands how to balance recovery targets with customer relationships.
Job Title: Collection Officer (Post-Loan)
Location: Ikeja, Lagos
Employment Type: Full-time
About the Company
Careers Verified is a trusted growth partner to organizations across multiple sectors. Our expertise spans Recruitment, Advisory, and Strategic Support, helping businesses secure top talent and solve complex operational challenges. With deep-rooted knowledge in industries like Oil and Gas, Finance, Telecom, Engineering, Technology, and Healthcare, we are known for our creative problem-solving, results-driven mindset, and industry-specific insight.
Job Summary
- The Post-Loan Collection Officer is responsible for managing and recovering overdue loan payments from customers.
- This role ensures timely repayment of loans while maintaining a positive customer relationship and adhering to all company policies and regulatory guidelines.
Key Responsibilities
- Monitor and follow up on assigned delinquent accounts to ensure timely loan recovery.
- Contact borrowers via phone calls, emails, SMS, and physical visits to negotiate repayment plans.
- Maintain accurate records of interactions and repayment agreements with customers.
- Conduct field visits to trace and recover overdue payments from defaulting clients.
- Collaborate with legal or recovery agents for escalated recovery cases where necessary.
- Recommend accounts for write-off or legal action where recovery is impossible.
- Analyze reasons for loan defaults and recommend strategies to reduce future delinquencies.
- Provide periodic reports on portfolio performance, recovery efforts, and challenges.
- Maintain strict confidentiality of client financial records.
- Ensure compliance with internal credit policies, regulatory guidelines, and ethical standards.
Key Performance Indicators (KPIs)
- Portfolio at Risk (PAR) reduction rate
- Recovery rate of delinquent loans
- Number of successful repayment agreements secured
- Timeliness of follow-ups and reports
- Client satisfaction and retention rate (post-recovery).
Requirements
- Interested candidates should possess an SSCE / OND / HND / B.Sc Degree in any discipline with 0 - 1 year work experience.
Skills:
- Strong communication and negotiation skills
- Proficiency in Microsoft Office and loan management software
- Ability to work under pressure and meet deadlines
- Good understanding of credit risk and recovery processes
- High level of integrity and professionalism
- Must have an Android Phone
- Should reside within Ikeja and its environs.
Salary: N100,000 - N180,000 per month.
How to Apply: Interested and qualified candidates should Click here to apply online
Tips to Successfully Land This Role
To increase your chances, tailor your CV to reflect any experience in collections, customer follow-ups, or credit-related fieldwork, even if informal or internship-based. Mention your communication strengths and negotiation skills, especially where you’ve persuaded clients to take action or resolved past-due accounts.
If you’ve worked with any loan management software, Excel tracking sheets, or CRM tools, include those technical competencies. Your ability to handle field visits, document interactions accurately, and work under pressure are key factors in this role.
Highlight your familiarity with Lagos terrain, particularly Ikeja and its surrounding areas, as this will be crucial for timely field recovery visits. Also, owning an Android phone is a functional requirement, so ensure that’s reflected in your application where needed.
This is a results-focused role, so position yourself as someone who is reliable, firm yet professional, and ready to help reduce delinquency rates with measurable success.