Microloan Officer

Responsibilities:

• Identify, prospect, and onboard eligible microloan clients within assigned locations.
• Conduct client business verification, basic credit assessment, and documentation checks.
• Support clients through the loan application, approval, and disbursement processes.
• Manage assigned client portfolios and maintain regular contact with borrowers.
• Monitor loan utilisation and identify potential repayment risks early.
• Follow up actively on repayments to ensure collections are made as and when due.
• Maintain accurate records of client interactions, applications, disbursements, collections, and loan performance.
• Achieve assigned weekly and monthly loan-disbursement and recovery targets.
• Build positive customer relationships and encourage repeat business from eligible clients.
• Escalate repayment concerns, client complaints, documentation gaps, and fraud-risk indicators promptly.
• Represent the organisation professionally during all client, market, and field engagements.

Requirements:

• Minimum of OND in any discipline.
• Between 0 and 2 years’ experience in microfinance, lending, field sales, direct sales, collections, customer acquisition, or a related role.
• Experience within a microfinance bank, lending company, cooperative, FMCG field-sales role, or customer-acquisition role is an advantage.
• Strong communication, interpersonal, negotiation, and customer service skills.
• Comfortable with fieldwork, client visits, daily follow-up, and target-based work.
• High level of resilience, integrity, accountability, and attention to detail.
• Basic knowledge of loan processes, client documentation, repayment follow-up, and customer management is an advantage.
• Candidates resident in, or able to commute conveniently to, Ibeju-Lekki and surrounding locations will have an advantage.

Key Performance Indicators:

• Achievement of assigned weekly and monthly client-acquisition and loan-disbursement targets.
• Strong loan-repayment and collection performance across assigned clients.
• Quality of client onboarding, documentation, and verification.
• Accuracy and timeliness of client records, field reports, and portfolio updates
  
• Positive customer experience, retention, and professional representation of the organisation.

Remuneratio: NGN100,000

Benefits:

• Transport and Call Allowance: NGN11,000 monthly
• Quarterly performance-based bonus
• Career-development opportunities within lending, business development, credit, and portfolio management.

Application Deadline: 5th July 2026