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Open nowPosted 577 days ago

Loan Collection Officer

Earnipay4 open roles

Where
Lagos, Nigeria
Work mode
Hybrid
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Your applicationOpen nowLoan Collection OfficerEarnipay · Lagos, Nigeria

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The clock on this job

Early applications get read.

12.3% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.3%7 days
  4. 19.3%14 days
  5. 35.6%30 days
  6. 57.8%60 days
This job: posted 577 days ago

The posting

Job Title: Loan Collection Officer Location: Lagos Employment Type: Full-time

Job Summary:

Earnipay Ltd. is seeking a diligent and proactive Loan Collection Officer to oversee and manage loan repayments from our existing credit clients. The successful candidate will be responsible for ensuring timely follow-ups and reminders before loan maturity, maintaining regular communication with clients, and updating payment records. The Loan Collection Officer will also play a key role in negotiating repayment plans, coordinating with recovery agents, and proposing restructuring or settlement plans to management when necessary.

Key Responsibilities:

  • Monitor and oversee the existing credit client list to ensure timely loan repayments.
  • Send reminders and follow-ups to clients before loan due/maturity dates.
  • Maintain constant communication with credit clients and provide feedback to the sales team and risk analyst.
  • Ensure that repayment plans are followed and negotiate loan workout plans with clients when necessary.
  • Update payment records and track clients who meet their monthly obligations.
  • Propose loan restructuring plans or full and final settlement agreements for management approval.
  • Serve as the primary contact for recovery agents and security agencies in cases of defaulting clients.
  • Ensure below 5% NPL
  • Investigate and resolve client concerns related to loan repayment issues.
  • Ensure compliance with company policies, industry regulations, and legal frameworks for loan collection.

Qualifications & Requirements:

  • Bachelor's degree - Legal background preferred.
  • Minimum of 2years of experience in loan collections, credit management, or a related role.
  • Strong understanding of loan collection strategies, debt recovery processes, and regulatory requirements.
  • Excellent communication and negotiation skills.
  • Ability to handle difficult conversations professionally and empathetically.
  • Strong analytical and problem-solving skills.
  • High level of integrity and ability to handle confidential information.
  • Prior experience working with recovery agents and security agencies is an added advantage.

Key Competencies:

  • Attention to detail and accuracy in record-keeping.
  • Strong interpersonal and customer service skills.
  • Ability to work independently and manage multiple tasks effectively.
  • Persistence and resilience in handling difficult cases.
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