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: Collection Executive

Location: Lagos

Job Description

• The Telephone Collection Executive is responsible for contacting customers with overdue loan obligations to secure repayment and resolve delinquent accounts.
• The role requires strong negotiation, communication, and customer engagement skills to achieve recovery targets while maintaining professionalism and compliance with company policies.
• The agent will engage customers via phone calls, emails, and SMS to obtain payment commitments, follow up on promises to pay, and escalate difficult cases when necessary.

Key Responsibilities 

• Contact customers with overdue accounts via phone to discuss repayment of outstanding balances.
• Negotiate and secure promises to pay (PTPs) and ensure timely follow-up on commitments.
• Educate customers on their loan obligations, repayment options, and consequences of default.
• Maintain accurate records of all customer interactions in the collections system.
• Send follow-up SMS or emails to reinforce repayment commitments.
• Escalate difficult, disputed, or unresponsive accounts to supervisors when required.
• Meet assigned daily call targets and monthly recovery goals.
• Maintain professionalism and comply with ethical collections practices and regulatory guidelines.

Requirements

• Strong communication, persuasion, and negotiation skills.
• Ability to manage difficult conversations with delinquent customers professionally.
• Comfortable working in a target-driven environment.
• Basic knowledge of Microsoft Excel or CRM/collections systems is an advantage.
• Ability to work independently and as part of a team.
• High level of integrity, professionalism, and confidentiality.

Application Closing Date
Not Specified.