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: Field Recovery Agent 

Location: Lagos

Job Description

• The Field Recovery Agent is responsible for engaging delinquent customers in person to facilitate loan repayment, resolve payment challenges, and recover outstanding debts.
• The role requires strong communication, negotiation skills, and the ability to represent the company professionally while ensuring compliance with recovery policies and regulatory guidelines.

Key Responsibilities

• Visit delinquent customers at their residential or business locations to follow up on overdue payments.
• Negotiate and secure repayment commitments (PTPs) and ensure prompt follow-up.
• Educate customers on their outstanding obligations and repayment options.
• Verify customer information including address, business location, and employment status where necessary.
• Document visit outcomes and update the collections system with accurate field reports.
• Escalate difficult cases or disputes to the internal collections team promptly.
• Maintain professional conduct and adhere strictly to company recovery policies and regulatory standards.

Requirements

• Previous experience in field collections, loan recovery, sales, or customer engagement is an advantage.
• Strong negotiation and interpersonal skills.
• Ability to handle difficult conversations professionally.
• Must be familiar with the assigned location/territory.
• Ability to work independently and meet recovery targets.
• Access to a smartphone for reporting and communication.
• High level of integrity, professionalism, and confidentiality.

Application Closing Date
Not Specified.