Field Credit Operations Officer - Financial Inclusion

Job Summary

We are seeking a skilled and experienced Field Credit Operations Officer to join our team, responsible for driving early-stage field recovery across the Financial Inclusion portfolio by ensuring prompt follow-up and recovery of due repayments, with particular focus on the first four (4) days after a repayment becomes due. The role is responsible for preventing early delinquency from progressing into prolonged default through intensive field engagement, repayment resolution, accurate reporting and timely escalation, thereby supporting strong portfolio quality.

Job Details

Early-Stage Field Recovery & Repayment Management

Own intensive field follow-up on Financial Inclusion repayments immediately they become due, with particular focus on securing repayment within the first four (4) days.
Conduct customer visits, calls and other approved recovery activities to resolve missed or delayed repayments quickly.
Prioritise recovery activity using repayment ageing, exposure, customer history and other available portfolio information.
Agree practical repayment resolutions within approved policy and ensure commitments are tracked to closure.
Maintain a strong field presence across assigned markets and customer locations to reinforce repayment discipline.

Default Prevention & Portfolio Quality

Proactively identify customers showing early signs of repayment stress and intervene before accounts deteriorate into formal default.
Work closely with Relationship Officers and Regional Leads to understand customer circumstances, resolve repayment barriers and improve cure rates.
Monitor early delinquency trends and recommend preventive actions to improve repayment behaviour and portfolio quality.
Support targeted repayment campaigns and field recovery drives in markets or customer clusters showing elevated delinquency.
Escalate recurring repayment issues, operational gaps or emerging portfolio risks that may require broader intervention.

Field Investigation & Customer Engagement

Validate customer location, business activity and circumstances where required to support recovery actions.
Engage customers professionally and firmly to understand reasons for non-payment and secure clear repayment commitments.
Leverage appropriate market, association and community relationships to support customer contact and repayment resolution while maintaining confidentiality and professionalism.
Handle difficult field situations with sound judgement, integrity and adherence to approved recovery practices.
Escalate cases involving suspected fraud, customer disappearance, business closure or other material risk indicators through the appropriate channels

Collaboration, Handover & Escalation

Maintain close coordination with Regional Leads and Relationship Officers on due accounts, field actions, customer commitments and recovery outcomes.
Work collaboratively with relevant recovery stakeholders and provide complete, accurate field intelligence on accounts requiring further recovery action.
Ensure timely escalation and handover of unresolved delinquent accounts in line with approved collections and recovery processes.
Maintain clear case ownership, accurate status updates and complete handover records throughout the recovery process.
Support cross-functional resolution of operational issues that may be preventing customers from making or completing repayments.

Requirements

Bachelor’s degree or HND in Business Administration, Finance, Accounting, Economics, Marketing or a related field.
Relevant training/certification in credit, collections, recovery or financial services is an added advantage.

Benefits

At Credit Direct Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.

About Company

Credit Direct Finance Company Limited

https://creditdirect.seamlesshiring.com

Credit Direct is the Fintech arm of the FCMB Group.