Credit & Receivables Accountant (Hybrid) at Gbovo Finance

With Gbovo, you can get the loan you need, exactly when you need it! Whether you’re ready to hit the road in a new vehicle or need to take care of some pressing financial obligations, we offer fast, flexible financing solutions.

We are recruiting to fill the position below:

Job Title: Credit & Receivables Accountant

Location: Lagos
Employment type:  (Full-time, hybrid)
Full-Time: Reports to the CEO and Co-Founder 

Role Overview

• The Credit & Receivables Accountant will be responsible for managing the end-to-end credit lifecycle, from customer assessment and loan booking to collections and recovery.
• The role requires strong financial judgment, operational discipline and the ability to enforce credit control while supporting business growth.

Key Responsibilities
Credit & Underwriting:

• Conduct detailed credit assessments on prospective customers
• Analyse bank statements, cash flows, and financial behaviour
• Identify risk indicators and make approval or decline recommendations
• Ensure all credit decisions align with internal policies and risk appetite

Receivables & Collections Management:

• Oversee the company’s loan portfolio and receivables
• Monitor and report on Portfolio at Risk (PAR), defaults, and recovery rates
• Implement structured follow-up and escalation processes
• Manage delinquent accounts, including recovery actions and repossession where required

Sales Support & Control:

• Partner with the sales team to enable growth while maintaining credit discipline
• Review and challenge deals that do not meet risk criteria
• Ensure proper documentation and compliance before disbursement

Reconciliation & Reporting:

• Ensure accuracy of loan balances, repayments, and system records
• Perform periodic reconciliations of receivables and portfolio balances
• Prepare and present collections and portfolio performance reports to management

Process & System Management:

• Utilize loan management systems (e.g., Lendsqr) to track and manage portfolio performance
• Identify process gaps and implement improvements in credit and collections workflows

Success in This Role

• Success will be measured by the ability to:
• Maintain a healthy loan portfolio
• Improve collection efficiency and recovery rates
• Enforce strong credit discipline across the business

Requirements

• Bachelor’s Degree in Accounting, Finance, or related field
• ACA / ACCA (completed or in advanced stage preferred)
• 4–7 years’ experience, with at least 2–3 years in lending, fintech, microfinance, banking or asset finance

Strong experience in:

• Credit assessment and underwriting
• Receivables and collections management
• Loan portfolio monitoring

Core Competencies:

• Strong analytical and risk assessment skills
• Solid understanding of:
  • Cash flow analysis
  • Portfolio at Risk (PAR)
• Default and recovery metrics
• High attention to detail and accuracy
• Strong follow-up and enforcement capability
• Ability to manage multiple accounts and priorities

Behavioral Attributes:

• High level of ownership and accountability
• Firm and assertive, with the ability to make and enforce decisions
• Proactive and solution-oriented
• Resilient and comfortable handling difficult customer situations
• Able to balance growth with risk control

Nice to Have:

• Experience in asset-backed lending (e.g., vehicle financing)
• Familiarity with repossession and recovery processes
• Experience in a startup or fast-paced environment
• Basic understanding of legal recovery frameworks.

Salary
N750,000 - N1,000,000 / month.

Application Closing Date
2nd August, 2026.

How to Apply
Interested and qualified candidates should:
Click here to apply online