Field Collection Agent

OPay is a mobile money platform operated by OPay Digital Services Limited and licensed by the Central Bank of Nigeria. Launched in June 2018, the company has spread its services across all 36 states in Nigeria with over 500,000 mobile money merchants. We are more than a payment company. We believe everyone should be able to enjoy financial and social inclusion, without regard for physical borders, boundaries, or even social status.

OPay is a one-stop mobile-based platform for payment and other important services in your everyday life. Millions of users rely on OPay every day to send and receive money and pay bills.

We are recruiting to fill the position below:

Job Title: Field Collection Agent

Location:  Nationwide
Employment Type: Full-time

Job Summary

• As a Field Collection Officer, you will manage a portfolio of delinquent loans, conduct physical field visits, negotiate realistic payment plans, and recover outstanding funds.
• Your goal is to minimize non-performing loans while maintaining professional and ethical customer relationships.

Key Responsibilities

• Field Visits: Travel to residential and business locations of customers with overdue loan repayments to engage them directly.
• Negotiation: Negotiate feasible, structured repayment plans or immediate debt settlements based on the customer's financial capacity.
• Debt Recovery: Ensure daily, weekly, and monthly recovery targets are met or exceeded.
• Communication: Follow up on delinquent accounts via phone calls, text messages, and emails when not in the field.
• Documentation & Reporting: Maintain accurate, up-to-date records of all field visits, customer interactions, promises to pay, and cash/transfer recoveries.
• Verification: Conduct spot checks and field investigations on customer addresses or business status when required.
• Compliance: Adhere strictly to microfinance regulatory guidelines, internal credit policies, and ethical debt collection laws.

Requirements

• Education: OND, HND, or Bachelor’s Degree in Accounting, Banking, Business Administration, Economics, or a related field.
• Experience: 1 to 2 years of proven experience in field recovery, debt collection, loan marketing, or customer service, preferably within a microfinance bank or fintech lender.
• Local Knowledge: Deep familiarity with local routes, commercial hubs, and communities within the assigned working location.
• Strong negotiation and persuasive communication skills.
• High integrity, resilience, and patience under pressure.
• Ability to work independently with minimal supervision.
• Basic computer literacy (Microsoft Office / Loan Management Software).