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.