Senior Collections Officer Job at Gigmile

Gigmile is a mobility fintech platform that provides vehicle subscription and key financial services to gig workers in Africa. We are democratizing access to asset financing, working capital, and key services which gig workers require to succeed in Africa’s rising Gig Economy.

We empower riders and drivers with vehicles and financial services through innovative solutions and strategic partnerships. With thriving hubs in Nigeria and Ghana, we're rapidly expanding and we would like you to be a part of our journey.

We are recruiting to fill the position below:

Job Position: Senior Collections Officer

Job Location: Lagos
Employment Type: Full-time

Job Description

• The Senior Collections Officer is responsible for managing the collection process, focusing on high-value accounts and complex cases.
• The role involves direct interaction with clients, analysis of payment trends, and the development of strategies to reduce default rates and recover outstanding payments on financed assets.

Responsibilities
Collection Strategy & Management:

• Develop and implement effective collection strategies to ensure timely recovery of payments.
• Lead the team in executing collection plans and achieving set targets.

Client Interaction:

• Engage with clients to negotiate payment plans and resolve disputes.
• Conduct regular follow-ups on overdue accounts through calls and face-to-face meetings.
• Handle escalated cases and complex client issues with professionalism and tact.

Risk Assessment & Mitigation:

• Assess the creditworthiness of clients and potential risks associated with the financed assets.
• Recommend repossession of assets when necessary.

Reporting & Documentation:

• Prepare and submit regular reports on collection activities, delinquency rates, and recovery outcomes to senior management.

Team Leadership & Training:

• Provide guidance and support to junior collections officers and ensure the team is well-trained on collection techniques and policies.
• Lead team meetings to discuss challenges, share insights, and develop collective strategies for improvement.

Relationship Management:

• Build and maintain strong relationships with clients and external collection agencies
• Act as a point of escalation for complex or sensitive client issues.