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Credit & Recovery Analyst at MKOBO Microfinance Bank

Job Description:

This role will report to the Risk Manager and work with the Manager and will be responsible for maintaining a complete debt collection portfolio, and for working with delinquent clients to resolve non-performing loans.

The successful candidate will also be working with the credit to assess credit applications to identify suitability of affordability.


  • Recovering bad debts from delinquent debtors.
  • Working with the Risk Manager to assess credit applications
  • Perform detailed analysis on applications with reference to approved policies to assess suitability and affordability of applicants
  • Working with Credit Controllers to contact debtors to pursue payment.
  • Devising customized recovery strategy on a case-by-case basis
  • Making outbound collection calls to debtors.
  • Reducing the non-performing loans owed to a company.
  • Manage relationship with external collection agencies
  • Designing and negotiation payment plans for debtors
  • Following up with clients on previous payment arrangements.
  • Locating and establishing contact with debtors and guarantors.
  • Maintaining accurate, up-to-date customer account information.
  • When necessary liaising with Lawyers, Bailiffs, Enforcement agencies.
  • Negotiating settlements with clients.
  • Taking ownership of debt collection cases and collateral where required.
  • Maintaining appropriate and comprehensive records of all customer discussions.
  • Reporting daily, weekly and monthly progress against targets to Management


Debt Collection:

  • Knowledge of proper and ethical debt collection techniques.
  • Ability to quickly build a picture of a customers’ personal circumstances and needs.
  • Strong negotiating, counselling, and problem solving skills.
  • Experience of collecting first and third party accounts.
  • Working knowledge of Microsoft Office Suites Word, Excel and Access.
  • Ability to be discreet while working with confidential information.
  • Able to work well as a team and on own initiative.

Personal Skills:

  • Strong attention to detail. Having a keen sense of urgency.
  • Excellent listening ability and superb questioning techniques.
  • Always accurate and on time in completing duties.


  • Debt Collection
  • Issue Resolution
  • Credit Analysis
  • Negotiation

Candidate Requirements

  • Minimum of Degree in Finance, Economics, Business Administration, Statistics, ICT etc. from a reputable University
  • Customer relationship management skills
  • Ability to work with little or no supervision
  • Minimum of 2 years working experience in retail credit, risk and recovery.
  • Problem Solving, Critical reasoning, detail oriented
  • Excellent verbal, presentation and writing skills

Mode of Application

Interested application should forward CV to

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