FIELD VERIFICATION / RECOVERY OFFICER AT FAIRMONEY | FIELD VERIFICATION JOBS IN OWERRI

About Company:

FairMoney is a digital platform in Nigeria that allows you access instant loans in a few minutes through our android app.

Job Description:

FairMoney is seeking a high-energy, resilient Field Recovery Agent to safeguard our loan portfolio and drive the rehabilitation of accounts in arrears. This is a critical role that sits at the intersection of financial operations and field-based negotiation.

You won't just be "collecting payments"—you will be an investigator and a negotiator, tasked with re-engaging defaulting agents and merchants. Your mission is to deploy professional recovery practices that prevent delinquency from escalating, ensuring our ecosystem remains healthy and compliant. If you are a self-motivated professional with a "closer" mindset and 1+ years of experience in consumer loan operations, this is your opportunity to impact the bottom line of a leading Fintech.

Requirements:

1. Field Engagement & Tactical Recovery

• Direct Field Action: Conduct regular on-site visits to engage with defaulting customers (Agents and Merchants) who have failed to respond to digital prompts.

• Multi-Channel Demand: Utilize telephone, email, and physical visits to demand payments, ensuring all actions are conducted within the legal and regulatory framework.

• Information Verification: Scrutinize overdue accounts to verify customer data and initiate daily follow-ups to resolve outstanding debt issues.

2. Negotiation & Payment Engineering

• Settlement Structuring: Negotiate and establish realistic, effective payment plans and settlements that ensure maximum recovery while preventing further account deterioration.

• Promise Tracking: Diligently follow up on "Promises to Pay" (PTP), ensuring that every commitment is fulfilled on time and escalating broken promises immediately.

• Problem Resolution: Handle customer objections and complaints with professional poise, collaborating with internal teams to resolve disputes that may be stalling payment.

3. Metrics & Performance Monitoring

• Daily Activity Logging: Maintain meticulous records of your field and phone activities, including Right-Party Contacts (RPCs) and conversion rates.

• Data-Driven Follow-ups: Use Microsoft Excel to track metrics, analyze delinquency trends in your assigned area, and prioritize accounts with the highest recovery potential.

• Legal Compliance: Ensure 100% adherence to standard collections practices and legal guidelines to protect the company’s reputation.

Qualifications and Skills:

Professional Profile

• Education: University degree in any related field.

• Experience: 1+ years of direct experience in consumer loan operations or merchant collections.

• Analytical IQ: Strong problem-solving skills with the ability to navigate difficult social situations and delinquent client behaviors.

Core Competencies

• Communication: Excellent verbal and written skills, specifically the ability to negotiate firmly but professionally.

• Resilience: A high level of self-motivation and the ability to maintain composure under the pressure of daily recovery targets.

• Technical Literacy: Proficiency in Microsoft Excel for tracking and reporting daily activities.

• Interpersonal Mastery: Strong ability to build rapport and influence outcomes during face-to-face field engagements.

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified? Go to FairMoney on jobs.workable.com to apply