Field Loan Collections Officer - Zamfara at Moniepoint Inc.

About This Role

The Debt Collections Officer is responsible for conducting on-site engagements with defaulting borrowers to ensure loan repayments are made within the agreed contractual timelines. This role requires extensive fieldwork, including visiting customers at their physical locations and carrying out recovery activities in accordance with established loan recovery processes, company policies, and applicable regulatory requirements.

Responsibilities

• Field Recovery & On-Site Engagement: Handle assigned recovery cases by visiting defaulting borrowers at their physical locations.
• Negotiation & Repayment Support: Engage and negotiate with customers to facilitate repayments in line with the terms of the loan agreement.
• Collateral & Asset Recovery: Recover assets, items, or goods that serve as collateral for loan defaults, in accordance with approved procedures.
• Reporting & Escalations: Prepare and submit daily reports on customer engagements and recovery activities, and escalate complex or unresolved cases appropriately.
• Compliance & Professionalism: Maintain professionalism and ensure compliance with all applicable policies, ethical standards, and regulatory requirements.

Experience & Background

• Proven experience in a field debt recovery or collections role.
• Strong knowledge of effective field recovery, negotiation techniques, and loan default processes.
• Demonstrated history of meeting or exceeding recovery targets in a fast-paced environment.
• Experience operating effectively within field-based, on-site coverage areas.

Skills & Competencies

• Negotiation & Persuasion: Strong ability to handle difficult conversations and secure repayment commitments.
• Communication: Ability to communicate effectively in both English and Nigerian Pidgin.
• Problem-Solving & Conflict Resolution: Tactical approach to resolving disputes and overcoming repayment barriers.
• Customer Relationship Management: Professional demeanor with a balance of firmness and empathy.
• Integrity & Compliance: High ethical conduct and strict adherence to regulatory requirements and internal procedures.
• Self-Management: Results-driven, highly organised, and able to work independently under pressure to meet tight deadlines.