Recovery Officer (Microfinance / Fintech)

About the Role

We are seeking a qualified Recovery Officer to join our team in Abuja. In this role, you will be responsible for recovering overdue loans and engaging with customers to resolve payment issues in a fast-paced fintech environment.

Key Responsibilities

• Recover overdue loans through outbound calls, SMS, WhatsApp, and physical visits where required
• Engage defaulting customers to negotiate realistic repayment plans
• Conduct customer tracing and skip-tracing using fintech tools and field intelligence
• Update CRM/loan management systems with accurate recovery notes and payment commitments
• Meet daily, weekly, and monthly recovery targets
• Collaborate with credit, risk, and customer service teams to resolve repayment issues
• Escalate high-risk accounts and support legal recovery when necessary
• Prepare recovery performance reports and portfolio status updates
• Ensure all recovery activities comply with regulatory guidelines and company policies
• Maintain professionalism and ethical conduct during all customer engagements

Required Qualifications

• Minimum of OND/HND/BSc in any discipline
• Strong negotiation, persuasion, and customer engagement skills
• Ability to work with targets in a fast-paced fintech environment
• Good knowledge of field recovery operations and local routes
• Basic proficiency in Microsoft Excel and mobile recovery tools
• High integrity, resilience, and results-oriented mindset

Preferred Experience

• 1–3 years' experience in loan recovery, debt collection, or fintech/microfinance operations
• Hands-on experience with digital lending platforms or loan management systems