The Credit Officer will manage the debt collection processes and work with analysts to develop, recommend, and enact payment plans to eliminate client debt in an agreed timeframe aligned with Lendha's collections policy. The role also covers customer acquisition and loan portfolio growth.

• Job Location: Lasu Ojo Rd, Ikotun, Lagos 102213, Lagos, Nigeria
• Employment Type: Full-Time
• Salary: Not stated

Lendha is a financial technology company that is creating a credit-led financial operating system for SMEs in Africa.

• Manage the debt collection processes and work with analysts to develop, recommend, and enact payment plans to eliminate client debt in an agreed timeframe aligned with Lendha's collections policy.
• Debt Settlements: Accurately maintain client records and manage all past due accounts and determine the appropriate collection action to be taken for each individual client. Collect delinquent accounts by contacting customers via telephone, email, and visiting the place of business. Compile daily, weekly, and monthly reports on the status of delinquent accounts, collection activity, and accounts receivable status. Report progress of collections to Supervisor, make recommendations for next steps and write-offs.
• Customer Acquisition: Present, promote and sell Lendha's products using solid negotiations to existing and prospective clients across relevant sectors, including but not limited to companies in the e-commerce, consumer goods, healthcare, and financial services industries.
• Loan Portfolio Growth: Support the evaluation of loans given to customers by ensuring that credit appraisals are completed properly and uphold monitoring of accounts to identify outstanding debts. Review terms of contract and service with client and clearly communicate various payment options. Work cooperatively with other departments to best determine how to balance both the customer's and Lendha's needs.

• Bachelor's or Higher National Diploma in any discipline from an accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter.
• Good relationship and communication skills with strong team spirit.
• Strong analytical skills.
• Good computer skills.
• Real motivation to work and grow in a performance-based environment.
• Taste for fieldwork.
• Practical knowledge of micro / small/medium businesses.
• Knowledge of the microfinance bank sector is an advantage.
• Good writing skills.
• Knowledge of the major local languages.
• Must be familiar with the axis.
• Good knowledge of the territory.

How to Apply
Interested candidates should Apply here.

Why This Job Might Be a Good Fit
This role is ideal for a credit or collections professional based around LASU Ojo who enjoys fieldwork and client engagement. It offers a flexible work environment and the chance to grow within a performance-based fintech team.

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