Field Collection Officer Job at Flexi Microfinance Bank Limited

Flexi Microfinance Bank Limited is a fully licensed digital bank dedicated to providing innovative and efficient financial solutions. Flexi Bank focus on simplifying your financial life through our advanced digital platform, ensuring you have access to the best services anytime, anywhere.

We are recruiting to fill the position below:

Job Position: Field Collection Officer

Job Location: Sango Ota, Ogun
Employment Type: Full-time

Job Summary

• We seek a proactive and result-oriented Field Collection Officer to manage and recover outstanding debts within the Ota and Ifo axis.
• The successful candidate will be responsible for conducting on-site visits to delinquent customers, negotiating repayment plans, and ensuring the timely recovery of funds while maintaining a professional relationship between the customer and the organization.
• This role requires a "street-smart" individual with a high level of integrity and a deep understanding of the local geography.

Key Responsibilities

• Conduct daily on-site visits to customers with overdue balances to secure immediate repayments.
• Engage with debtors to understand their financial challenges and establish realistic, sustainable repayment schedules.
• Perform "skip tracing" to locate customers who have changed addresses or are difficult to reach.
• Retrieve collateral or company devices from defaulting customers in strict accordance with recovery procedures.
• Maintain accurate, real-time records of all field activities, customer interactions, and payment commitments in the recovery system.
• Ensure all collection activities adhere to the FCCPC guidelines and company ethical standards to protect the brand’s reputation.
• Collaborate with local authorities and community leaders where necessary to facilitate the recovery of long-overdue or fraudulent cases.

Requirements

• HND, or B.Sc. in any discipline with a minimum of 1 year of experience in field collections, loan recovery, or as a field agent in the fintech or banking sector.
• Must be highly familiar with the Ota and Ifo local government areas.
• Exceptional negotiation, persuasion, and interpersonal communication skills.
• Ability to work under pressure, meet strict weekly recovery targets, and handle difficult customers professionally.
• Willingness to travel extensively within the assigned territory (possession of a motorcycle and a valid rider’s permit is often an added advantage).
• High level of honesty and a clean track record in financial dealings.