Collections & Verification Officer

Responsibilities:

• Conduct physical verification of customers, businesses, addresses, and other information provided during loan applications.
• Visit customers' business locations and residences to validate information where necessary.
• Verify the existence and condition of businesses, assets, stock, and other relevant details.
• Follow up with customers on outstanding and overdue loan repayments.
• Contact customers through calls, visits, messages, and other approved channels to facilitate repayment.
• Maintain accurate records of customer verification and collection activities.
• Identify and report inconsistencies, suspicious information, or potential fraudulent activities.
• Monitor assigned loan accounts and identify customers at risk of default.
• Negotiate appropriate repayment arrangements with customers within approved company guidelines.
• Escalate difficult, high-risk, or delinquent accounts to the appropriate supervisor.
• Provide regular reports on verification activities, customer visits, collections, and recovery performance.
• Work closely with the Credit, Operations, and Business Development teams to improve loan portfolio quality.
• Ensure all collection activities are conducted professionally and in accordance with company policies.
• Maintain confidentiality of customer information and protect the integrity of the bank's records.
• Meet assigned daily, weekly, and monthly verification and recovery targets.

Requirements:

• Minimum of OND in Business Administration, Accounting, Finance, Banking & Finance, Economics, or a related field.
  
• 1–3 years of experience in collections, loan recovery, credit, field verification, microfinance, fintech, or a related role is an advantage.
• Strong communication and negotiation skills.
• Ability to conduct effective field investigations and customer verification.
• Good knowledge of Ikorodu and surrounding areas is an advantage.
• Ability to work independently and manage multiple customer accounts.
• Strong attention to detail and ability to identify inconsistencies.
• Must be comfortable working in a target-driven environment.
• Basic computer and reporting skills.
• High level of integrity, accountability, and professionalism.
• Ability to handle difficult customers calmly and professionally.
• Must be willing to travel within assigned locations for customer visits and verification.

What We Offer:

• Competitive salary and performance-based incentives.
  
• HMO/Health Insurance.
• Training and professional development opportunities.
• Team bonding activities.
• A supportive and performance-driven work environment.
• Opportunity to build a career in microfinance and financial services.