Loan Relationship & Recovery Officer

Responsibilities:

• Build and maintain strong relationships with customers to encourage timely loan repayments.
• Manage due, overdue, and defaulted loan accounts to ensure effective recovery.
• Contact customers via calls, SMS, email, and approved digital channels for repayment follow-ups and support.
• Negotiate repayment plans, settlements, and flexible solutions that balance recovery with customer retention.
• Monitor assigned loan portfolios and track relationship and recovery performance.
• Identify early signs of delinquency and apply proactive engagement strategies.
• Conduct skip tracing and follow up on unreachable customers when required.
• Update customer records, repayment status, and recovery actions accurately on the loan management system.
• Escalate high-risk or severely delinquent accounts for legal or advanced recovery action.
• Prepare daily, weekly, and monthly relationship and recovery performance reports.
• Work closely with credit, risk, and operations teams to improve customer satisfaction and reduce loan defaults.
  

Requirements:

• Good understanding of loan recovery, customer relationship management, and credit processes.
• Strong communication, negotiation, and relationship-building skills.
• Ability to work under pressure and meet recovery and retention targets.
• Proficiency in Microsoft Office and loan management systems.
• High level of professionalism, integrity, and ethical conduct.
• Strong attention to detail and documentation skills.
• Must own a smartphone (Android or iPhone).
  

Benefits:

• Basic Salary: NGN 75,000 (subject to review based on experience)
• Bonuses: Daily and weekly performance-based bonuses (up to NGN 20,000)
• Phone Compensation: Airtime & data allowance
• Training: Customer support, loan servicing, and skills training, plus transport subsidies
• Salary Review: Eligible for salary review after 3 months and again after 6 months
• Year-End Bonus: Annual performance bonus for outstanding performance
  

Location: Ikeja