Collections Agent (Base + Commission)
Job summary
We're hiring a tenacious, results-driven Collections Agent on contract in Accra. You'll own end-to-end recovery of overdue loans — working the phones and the field across Accra and beyond — to protect portfolio health and minimise credit losses. Base salary plus performance-based commission on collections recovered. We're hiring a tenacious, results-driven Collections Agent to join our Ghana team on a contract basis, based in Accra. You'll own the end-to-end recovery of overdue and delinquent loans — working the phones, the field, and everything in between — to protect portfolio health and minimise credit losses. This is a field-heavy role. You'll spend most of your time visiting borrowers in person across Accra and surrounding areas, and occasionally further afield in Ghana when accounts require it.
Job descriptions & requirements
What you'll do
- Contact and engage delinquent borrowers through phone, SMS, and in-person visits to recover overdue repayments
- Conduct structured field visits to borrower locations across Accra and assigned territories
- Negotiate repayment plans and settlements in line with company policy
- Keep accurate, up-to-date records of every contact, visit, and outcome in our loan management system
- Work with the credit and risk team to prioritise accounts by delinquency bucket and risk level
- Escalate unresolved or high-risk accounts to the Collections Team Lead promptly
- Hit monthly collection targets and recovery rate KPIs
- Represent Oze professionally in every interaction; our reputation in the field matters
What we're looking for
- 1–2+ years of experience in loan collections, field recovery, or credit collections (fintech, microfinance, or banking strongly preferred)
- A proven track record of hitting and exceeding collections targets
- Strong negotiation, persuasion, and conflict resolution skills — you can hold a difficult conversation and still leave the borrower willing to pay
- Fluent English; proficiency in Twi is a strong advantage, and other Ghanaian languages (Ga, Ewe, Hausa) are a plus given Accra's mix
- Deep familiarity with Accra — you know how to navigate the city efficiently
- Self-motivated and resilient; comfortable working independently in the field
- Familiarity with loan management systems or CRM tools is a plus
- Valid ID, willingness to travel within assigned territory, and a smartphone with reliable internet
Why this role
Uncapped performance-based earnings, a clear growth path as we scale collections in Ghana, and the chance to build something real with a team that moves fast and takes ownership seriously.
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