Junior Collections Officer at Carbon Nigeria

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Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset. 

We are recruiting to fill the position below:

Job Title: Junior Collections Officer

Location: Lagos
Employment Type: Full Time

Role Overview

  • We are looking for a results-driven Junior Collections Officer to join our Collections team. T
  • his role focuses on handling high-risk accounts, ensuring timely debt recovery, and maximizing collections efficiency.
  • You will play a critical role in protecting Carbon’s portfolio quality while delivering excellent customer experience in challenging recovery situations.

Key Responsibilities

  • Manage interactions with high-risk and difficult customers, ensuring professional and effective resolution.
  • Analyze collection trends and propose strategies to improve the recovery rate.
  • Monitor daily collections activities, identify areas for improvement, and implement solutions.
  • Collaborate with other departments to resolve disputes or operational issues affecting collections.
  • Ensure prompt debiting of delinquent accounts to facilitate timely recovery.
  • Provide coaching, support, and direction to junior collectors to strengthen the overall collection effort.
  • Make outbound calls to delinquent customers to negotiate and facilitate repayment.

Requirements

  • Bachelor’s degree in Business, Finance, or related field preferred.
  • Excellent communication skills (verbal and written).
  • Analytical mindset with the ability to interpret data and spot trends.
  • Strong organizational skills with attention to detail.
  • Experience in collections, preferably in fintech, banking, or other financial services sectors.
  • Proven track record in managing high-risk accounts and achieving recovery targets.
  • Strong negotiation and conflict resolution skills.

How to Apply
Interested and qualified candidates should:
Click here to apply

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