Job Recruitment at Hummingbird Creche

Hummingbird is a Sister company and new Branch of Lighting Finance Tech. in the Business of Giving out Soft Loans. Hummingbird Nigeria Limited is an innovative Online based organization in the business of giving out Loans and Credit facilities to deserving applicants that meet requirements for such loans via our Applications.

We are recruiting to fill the position below:

Job Position: Customer Service Loan Representative
Job Location: Lekki / Epe, Lagos
Employment Type: Full-time

Job Description / Responsibilities

• To make calls to Customers and Clients on the Repayment of their Loans once due.
• Ensure prompt follow-up on each customer till their loans are repaid.
• Applicants will be given Targets to meet which will determine the Final bonus to be paid at the end of the Month, plus their Basic Salary too.
• Innovativeness, creativity, ability to think out of the box and solve Problems that relate to collections on behalf of the Organisation.
• Provide Flexible means for customers to meet up with their Repayment.
• Result-oriented and ensuring Payments are actually made each day.

Requirements

• Candidates with OND, HND, B.Sc, in the relevant field can apply.
• Applicants within the Axis of lekki, Ajah, VI, Shevron, Awoyaya, CMS, etc will be Considered.
• Candidates with experience or who have done a similar job will be considered and highly favoured.

Salary
N35,000 - N60,000 / Month.

Job Position: Call Center Collection Agent
Job Location: Lekki / Epe, Lagos
Employment Type: Full-time

Job Description

• A liaison between businesses and customers, collections agents are responsible for communicating directly with customers to collect debts and resolve outstanding balances. This role requires a high level of customer service, persuasion, and negotiation skills, as well as a mind for problem-solving to work with customers to resolve their debts and collect payment.
• Collections agents also work closely with accounts receivable, sales, and legal departments to develop strategies for collecting on delinquent accounts and determine when further actions are necessary. A high level of attention to detail and excellent record keeping ensure that payment plans are recorded and communication with customers is documented.

Duties and Responsibilities

• Performing consistently to meet performance standards set by the department.
• Ensuring adherence to the Fair Debt Collections Practices Act and other compliance regulations and security policies.
• Recognizing Focus Financial Services collection criteria set forth and adhering to follow it.
• Interacting with customers for understanding reasons for late payment and resolving customer billing disputes.

Customer Communication:

• A collections agent’s primary duty is communicating with customers, usually via telephone, to resolve delinquent accounts and collect payment on debts. This requires patience and diligence as collections agents frequently deal with debtors avoiding their phone calls or quickly hanging up once they realize the call is an attempt to collect a debt. Additionally, some customers can be hostile or rude when dealing with a collections agency.

Negotiation and Debt Settlement:

• Negotiation is important as collections agents develop and enact payment plans that eliminate the debt and are manageable for the customer, preventing accounts from falling into delinquency again. Alternatively, collections agents may need to negotiate for a settlement so that the agency receives payment on a certain percentage of the debt.

Documentation:

• Collections agents keep detailed records of all customer communications, payment plans that customers have agreed to, and amounts paid via telephone. While most collections agencies use software to assist with managing customer records and maintaining oversight of debt balances and received payments, collections agents still have to ensure that records are entered and maintained accurately throughout the debt collection process.

Research and Customer Location:

• Often, collections agents have to locate debtors in order to begin the recovery process. This aspect of the job can involve accessing database information, pulling up credit reports, and locating other publicly-available records in adherence to the Fair Debt Collection Practices Act. Collections agents are skilled at researching and processing high volumes of information to maintain accurate records of debtor addresses and phone numbers to support debt recovery efforts.

Skills and Qualifications

• Candidate should possess a Bachelor's Degree in relevant fields with 1 - 2 years experience.
• Extensive experience in working as a collection agent within a financial institution
• Sound knowledge of collection practices, regulations and procedures, and telephone mannerisms
• Solid understanding of repayment schedules and bad debt management
• Proficient in preventing losses, controlling delinquent balances and collecting delinquent accounts

Salary
N35,000 - N60,000 / Month.

Job Position: Collection Officer
Job Location: Lekki / Epe, Lagos
Employment Type: Full-time

Job Description

• Collections officers attempt to collect payment on overdue bills by informing customers of their debt and their various options for repayment. When agreeable payment terms are not reached, collections officers take further action in order to collect payment on debts. Collections officers typically work in call center and office environments during daytime, evening, and weekend work shifts, both full- and part-time hours. Collections officers report to a direct manager or supervisor as assigned and work as part of a large team of collections officers.

Duties and Responsibilities

• Collections officers are hired by many types of businesses that serve a large customer base and by collections agencies, but job duties do not vary much from company to company. Core responsibilities for collections officers include:

Make Calls to Clients:

• Collections officers attempt to locate and contact clients, primarily over the phone, in order to talk with them about their debts. This includes calling customers at home, at work, and on their cellular phones.

Negotiate Payment Schedules:

• Collections officers speak to customers to negotiate payment plans and payment schedules that suit their current financial situation while still satisfying the debt.

Advise Customers:

• Collections officers advise customers on their various payment options. If no payment agreement can be reached, collections officers inform customers of further actions that may be taken to collect overdue debts.

Maintain Customer Files:

• Collections officers keep customer files updated, recording times and dates that contact has been made and noting information that customers have received about their debt.

Prepare Statements:

• Collections officers prepare statements to be given to credit departments and banks when customers fail to meet their payment agreements or when no payment agreement can be made.

Write Letters:

• Collections officers write letters to customers to inform them of their debts. When customers fail to meet their payment obligations and fail to make payment agreements, collections officers write letters to credit agencies, insurance companies, lawyers, and customers’ employers to collect debt without the customer’s aid.

Answer Phones:

• Collections officers answer incoming calls from customers and other individuals.

Skills and Qualifications

• Candidate should possess a Bachelor's Degree in relevant fields with 1 - 2 years experience.
• Collections officers have excellent communication and people skills and use persuasive techniques to collect overdue debts from customers.
• Communication skills – collections officers need both written and verbal communication skills to draft letters and speak clearly to clients about their payment options, employing persuasion and other tactics in order to collect debts on overdue accounts
• Attention to detail – collections officers are detail-oriented professionals who take accurate and informative notes for client records and follow proper company procedures for debt collection
• Data entry – because collections officers enter information into digital systems, some data entry ability is essential
• Computer skills– collections officers work with multiple types of software programs, which requires good computer skills
• Mathematics – because collections officers work with debts and finance, basic math skills are required

Tools of the Trade:
In addition to multiline phones and general office equipment, collections officers work with the following types of computer software:

• Accounting software (QuickBooks, EnterpriseOne)
• Point of sale (POS) software
• Microsoft programs (Word, Excel)

Salary
N35,000 - N80,000 monthly.

Method of Application
Interested and qualified candidates should send their CV to: hummingbirdnig@gmail.com using the Job Title as the subject of the email.