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.
https://www.hotnigerianjobs.com/hotjobs/927190/credit-receivables-accountant-hybrid-at-gbovo-fina.html