Collection Executive at Carbon Nigeria

Carbon Nigeria is seeking a Collection Executive based in Lagos to manage overdue loan accounts through phone, email, and SMS communication. The role focuses on negotiating repayment plans, educating customers about obligations, and maintaining records of interactions. Strong communication and negotiation skills are essential. Carbon operates with a remote-first mindset, indicating flexibility in work arrangements. The position is full-time with a salary range of NGN 47,356–NGN 338,260 per month.
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.