Field Collection Officer

Job Summary

We seek a proactive and result-oriented Field Collection Officer to manage and recover outstanding debts within Lagos.
The successful candidate will be responsible for conducting on-site visits to delinquent customers, negotiating repayment plans, and ensuring the timely recovery of funds while maintaining a professional relationship between the customer and the organization.
This role requires a “street-smart” individual with a high level of integrity and a deep understanding of the local geography.
Key Responsibilities

Conduct daily on-site visits to customers with overdue balances to secure immediate repayments.
Engage with debtors to understand their financial challenges and establish realistic, sustainable repayment schedules.
Perform “skip tracing” to locate customers who have changed addresses or are difficult to reach.
Retrieve collateral or company devices from defaulting customers in strict accordance with recovery procedures.
Maintain accurate, real-time records of all field activities, customer interactions, and payment commitments in the recovery system.
Ensure all collection activities adhere to the FCCPC guidelines and company ethical standards to protect the brand’s reputation.
Collaborate with local authorities and community leaders where necessary to facilitate the recovery of long-overdue or fraudulent cases.
Requirements

HND, or B.Sc. in any discipline.
Minimum of 1 year experience in field collections, field agent operations, or related roles.
Must be highly familiar with the Ota and Ifo local government areas.
Exceptional negotiation, persuasion, and interpersonal communication skills.
Ability to work under pressure, meet strict weekly recovery targets, and handle difficult customers professionally.
Willingness to travel extensively within the assigned territory (possession of a motorcycle and a valid rider’s permit is often an added advantage).
High level of honesty and a clean track record in financial dealings.
Must be street-smart and maintain high ethical standard.