The Credit Officer will execute debt collection strategies, conduct field visits to delinquent accounts, evaluate new loan applications, and negotiate payment plans while acquiring new SME clients in e-commerce, consumer goods, healthcare, and financial services sectors within the organisation’s South West operations.

• Job Location: Abeokuta, Ogun State (Must live in Abeokuta; Field-Based)
• Employment Type: Full-Time
• Salary: Not stated (Performance-Based Environment)

Lendha is a financial technology company building a credit-led operating system for African SMEs. The organization seeks field-oriented Credit Officers to manage debt collection, drive loan portfolio growth, and support micro-business clients across the South West region while balancing customer needs with organizational risk management within their Abeokuta hub.

• Manage end-to-end debt collection processes including telephone calls, emails, and physical business visits
• Develop and recommend tailored payment plans to eliminate client debt within agreed timeframes per collections policy
• Accurately maintain client records and determine appropriate collection actions for each past-due account
• Compile daily, weekly, and monthly reports on delinquency status, collection activity, and receivables
• Report collection progress to supervisors with actionable recommendations for next steps or write-offs
• Present, promote, and sell Lendha products using strong negotiation skills to existing and prospective SME clients
• Support credit appraisal evaluations and ensure proper documentation before loan disbursement
• Monitor active accounts to identify emerging risks and outstanding debts proactively
• Review contract terms with clients and clearly communicate available payment options
• Collaborate cross-functionally to balance customer flexibility with Lendha’s risk appetite

• Bachelor's Degree or HND from accredited institution with NYSC Discharge Certificate or Exclusion Letter
• Must currently reside in Abeokuta, Ogun State (Strict Requirement)
• Good relationship-building and communication skills with strong team spirit
• Strong analytical capabilities for assessing creditworthiness and repayment capacity
• Proficient computer skills for reporting and CRM management
• Genuine motivation to thrive in performance-based environment with measurable targets
• Demonstrated taste for fieldwork and willingness to visit businesses regularly
• Knowledge of major local languages (Yoruba strongly preferred) advantageous for client engagement

How to Apply

Qualified candidates should Apply here. Please note that residency in Abeokuta is mandatory and this role requires demonstrated comfort with fieldwork alongside proven ability to manage both collections and new business acquisition in Nigeria's SME lending ecosystem.

Why this job might be a good fit

This position is ideal for commercially minded finance professionals who want to combine field sales with credit risk management while gaining exposure to innovative fintech solutions serving underserved SMEs across Ogun State's vibrant commercial corridors.

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