Collections Agent
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Job Description
Collections Agent role focused on recovering overdue loans for fintech Oze in Ghana. Engaging with borrowers through various communication channels to enhance portfolio health.
Responsibilities:
- Contact and engage delinquent borrowers through phone, SMS, and in-person visits to recover overdue repayments
- Conduct structured field visits to borrower locations across Accra and assigned territories
- Negotiate repayment plans and settlements in line with company policy
- Keep accurate, up-to-date records of every contact, visit, and outcome in our loan management system
- Work with the credit and risk team to prioritise accounts by delinquency bucket and risk level
- Escalate unresolved or high-risk accounts to the Collections Team Lead promptly
- Hit monthly collection targets and recovery rate KPIs
- Represent Oze professionally in every interaction; our reputation in the field matters
Requirements:
- 1–2+ years of experience in loan collections, field recovery, or credit collections (fintech, microfinance, or banking strongly preferred)
- A proven track record of hitting and exceeding collections targets
- Strong negotiation, persuasion, and conflict resolution skills — you can hold a difficult conversation and still leave the borrower willing to pay
- Fluent English; proficiency in Twi is a strong advantage, and other Ghanaian languages (Ga, Ewe, Hausa) are a plus given Accra's mix
- Deep familiarity with Accra — you know how to navigate the city efficiently
- Self-motivated and resilient; comfortable working independently in the field
- Familiarity with loan management systems or CRM tools is a plus
- Valid ID, willingness to travel within assigned territory, and a smartphone with reliable internet
Benefits:
- Uncapped performance-based earnings
- Clear growth path as we scale collections in Ghana
- Chance to build something real with a fast-moving team
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