Junior Loan Recovery Officer at Sage-Grey Finance Limited

Sage Grey Finance Limited (“Sage Grey Finance” or “the Company”) is a finance services company incorporated in Nigeria. We are licensed and regulated by the Central Bank of Nigeria (CBN) and are integrated into the Nigerian Interbank Settlement System (NIBSS). We are members of the Finance Houses Association of Nigeria (FHAN). We offer Lending Services (Project Finance, Asset Finance, Corporate finance, Consumer Loan, etc.), Fund Management Services, Advisory Services, and other services as authorized by the Central Bank of Nigeria.

We are recruiting to fill the position below:

Job Title: Junior Loan Recovery Officer

Location: VI (Oniru Road), Lagos
Employment Type: Full-time

Role Summary

• The Junior Loan Recovery Officer will support the recovery and collections functions of the organization, with a focus on managing delinquent accounts, negotiating repayment plans, and minimizing loan losses.
• The role involves customer engagement, portfolio monitoring, legal coordination, and reporting across the Company's lending activities.

Key Responsibilities

• Manage and monitor delinquent loan accounts, tracking overdue payments and maintaining accurate recovery records
• Contact defaulting customers via phone calls, emails, and field visits to negotiate repayment plans and resolve outstanding obligations
• Evaluate customer financial situations and propose viable restructuring or forbearance options in line with Company policy
• Prepare recovery reports, including aging analysis, collection forecasts, and portfolio performance metrics for management review
• Coordinate with the Legal team on potential litigation, including preparation of demand letters, court filings, and enforcement of security interests
• Ensure all recovery activities comply with internal policies, regulatory guidelines, and fair debt collection practices
• Liaise with internal teams and external stakeholders to facilitate effective recovery, and perform any other tasks as assigned

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
• 2–4 years' experience in debt recovery, collections, credit risk, or banking operations
• Experience in a financial institution is mandatory
• Strong understanding of debt collection techniques, negotiation strategies, and loan documentation
• Proficiency in Microsoft Excel and Microsoft Word
• Familiarity with recovery tools and loan management systems is an advantage
• Strong negotiation, communication, and interpersonal skills
• High resilience, emotional intelligence, and ability to handle difficult conversations
• Integrity, confidentiality, and strong ethical mindset
• Experience with recovery management software or CRM tools
• Understanding of Nigerian legal frameworks relating to debt recovery.
• Knowledge of regulatory guidelines (CBN circulars on fair debt collection practices)

Key Skills:

• Debt recovery and collections
• Negotiation and conflict resolution
• Risk assessment and portfolio monitoring
• Customer relationship management
• Legal coordination and documentation
• Reporting and data analysis
• Integrity and confidentiality
• Resilience and emotional intelligence.

Application Closing Date
12th July, 2026. 

Method of Application
Interested and qualified candidates should send their CV to: careers@sage-grey.com using "Junior Loan RecoveryOfficer" as the subject of the mail.