Latest recruitment at Lighting Finance Technology Nigeria Limited

Job Title: Call Center Collection Agent

Location: Oregun / Ikeja, Lagos
Employment Type: Full-time

Job Description

• We are seeking a dedicated collection agent to assist our business with the recovery of outstanding payments from debtors. In this role, your duties will include communicating with customers via telephone, negotiating payment plans with debtors, and enacting payment plans that eliminate debt.
• To ensure success as a collection agent, you should possess experience with debt collection and knowledge of the Fair Debt Collection Practices Act (FDCPA). Accomplished collection agents will mitigate financial losses by developing and enacting manageable debt recovery plans.

Responsibilities

• Collaborating on debt collection efforts with Accounts, Sales, and the Legal Department.
• Developing debt collection strategies and plans.
• Adhering to the FDCPA throughout the debt collection process.
• Contacting debtors by telephone to enact and negotiate debt recovery.
• Searching publicly available databases to track down defaulters, including Credit Bureau information, background checks, and loan documents.
• Preventing repeated payment delinquency by negotiating manageable debt payments.
• Negotiating settlements to receive payment on a certain percentage of the debt.
• Keeping hard copy and electronic records of all communications, payment plans agreed to, and amounts paid.
• Sending statements of delinquencies and satisfied debts to the Credit Bureau, as well as purging records where debts have been satisfied.
• Initiating legal and repossession proceedings if debt recovery fails.

Requirements

• Candidates should possess a Bachelor’s Degree qualification.
• A minimum of 2 years experience in sales, customer service, or telemarketing.
• Debt collection certification or training preferred.
• In-depth knowledge of the FDCPA and professional codes of conduct.
• Proficiency in debt collection software, such as ACE and CollectMax.
• Previous debt collection experience will be advantageous.
• Experience in developing and enacting debt recovery plans and strategies to prevent losses.
• Exceptional ability to communicate with debtors to negotiate debt payment plans.
• Ability to collaborate on debt collection efforts with other departments and institutions.
• Experience in tracking down defaulters by searching publicly available databases and records.
• Exceptional recordkeeping and interpersonal skills.

Salary
N35,000 – N60,000 / month.

Job Title: Collection Officer

Location: Oregun / Ikeja, Lagos
Employment Type: Contract

Job Description

• Collections officers attempt to collect payment on overdue bills by informing customers of their debt and their various options for repayment.
• When agreeable payment terms are not reached, collections officers take further action in order to collect payment on debts.
• Collections officers typically work in call center and office environments during daytime, evening, and weekend work shifts, both full- and part-time hours. Collections officers report to a direct manager or supervisor as assigned and work as part of a large team of collections officers.

Duties and Responsibilities

• Collections officers are hired by many types of businesses that serve a large customer base and by collections agencies, but job duties do not vary much from company to company. Core responsibilities for collections officers include:

Make Calls to Clients:

• Collections officers attempt to locate and contact clients, primarily over the phone, in order to talk with them about their debts.
• This includes calling customers at home, at work, and on their cellular phones.

Negotiate Payment Schedules:

• Collections officers speak to customers to negotiate payment plans and payment schedules that suit their current financial situation while still satisfying the debt.

Advise Customers:

• Collections officers advise customers on their various payment options. If no payment agreement can be reached, collections officers inform customers of further actions that may be taken to collect overdue debts.

Maintain Customer Files:

• Collections officers keep customer files updated, recording times and dates that contact has been made and noting information that customers have received about their debt.

Prepare Statements:

• Collections officers prepare statements to be given to credit departments and banks when customers fail to meet their payment agreements or when no payment agreement can be made.

Write Letters:

• Collections officers write letters to customers to inform them of their debts. When customers fail to meet their payment obligations and fail to make payment agreements, collections officers write letters to credit agencies, insurance companies, lawyers, and customers’ employers to collect debt without the customer’s aid.

Answer Phones:

• Collections officers answer incoming calls from customers and other individuals.

Requirements

• Candidates should possess a Bachelor’s Degree qualification with 1 – 2 years work experience.

Salary
N35,000 – N60,000 / month.

Job Title: Customer Service Loan Representative

Location: Oregun / Ikeja, Lagos
Employment Type: Full-time

Job Description

• We are hiring a customer service representative to manage customer queries and complaints.
• You will also be asked to process orders, modifications, and escalate complaints across a number of communication channels.
• To do well in this role you need to be able to remain calm when customers are frustrated and have experience working with computers.

Responsibilities

• Maintaining a positive, empathetic, and professional attitude toward customers at all times.
• Responding promptly to customer inquiries.
• Communicating with customers through various channels.
• Acknowledging and resolving customer complaints.
• Knowing our products inside and out so that you can answer questions.
• Processing orders, forms, applications, and requests.
• Keeping records of customer interactions, transactions, comments, and complaints.
• Communicating and coordinating with colleagues as necessary.
• Providing feedback on the efficiency of the customer service process.
• Managing a team of junior customer service representatives.
• Ensure customer satisfaction and provide professional customer support.

Requirements

• High School Diploma, General Education Degree, or equivalent.
• 1-2 years work experience.
• Ability to stay calm when customers are stressed or upset.
• Comfortable using computers.
• Experience working with customer support

Salary
N35,000 – N60,000 / month.

Job Title: Customer Service Agent

Location: Oregun / Ikeja, Lagos
Employment Type: Full-time

Job Summary

• We are seeking an outgoing, organized, and friendly customer service agent to join our growing team and provide top-notch service to our customers over the phone, in person, and using written communications.
• In this role, you will interact directly with our customers to answer questions, solve problems, provide education, and maintain our company’s reputation for high-quality service.

Duties and Responsibilities

• Maintain updated knowledge of all company products and services in order to provide adequate education to customers
• Provide information and instructions about relevant products and services
• Make product and service suggestions to meet the customer’s specific needs
• Field incoming phone calls and respond to phone messages from customers
• Promptly respond to customer questions submitted via email or our website
• Answer customer questions and provide information to resolve any issues
• Process orders and returns
• Obtain necessary information from customers to adequately follow up
• Document important customer information for future reference
• Collect and record customer feedback and information, and share with appropriate departments and team members
• Generate interest in new products or services and connect customers with salespeople when required
• Foster and maintain relationships with customers to improve our retention rate
• Attend all required customer service-related meetings

Requirements and Qualifications

• High School Diploma or equivalent
• 1+ years’ of experience in a customer service-related role
• Excellent written and verbal communication skills
• Ability to foster and maintain relationships
• Organizational skills with the ability to manage numerous projects and priorities at once
• Positive, service-oriented attitude
• Ability to thrive in a fast-paced and sometimes high-pressure environment
• Basic computer skills and excellent phone disposition
• Willingness to work independently or as part of a team

Salary
N35,000 – N60,000 / month.

Job Title: Customer Service Loan Officer

Location: Oregun / Ikeja, Lagos
Employment Type: Full-time

Job Description

• Consumer loan officers work directly with customers to help them secure credit and financing for a variety of applications.
• While this category can include mortgage officers, it also includes roles that do not include as much preparation and licensure, such as loan officers who work for automobile dealers or those who work within a bank’s consumer lending department.
• The consumer loan officer helps customers through the application process, from the initial paperwork to gathering necessary financial information and documents and enrolling in payment plans.
• Consumer loan officers follow a code of ethics to ensure that consumers can reasonably pay back loans and that they fully understand loan terms.

Duties and Responsibilities
While the specific duties of a consumer loan officer depend on the setting in which they work, most share several responsibilities across industries:

Process Loan Applications:

• The consumer loan officer’s primary duty is working with customers to process loan applications and help them secure financing.
• This process begins with an initial interview in which the consumer loan officer gathers basic information related to the applicant and the type of loan and amount they are seeking.
• The consumer loan officer then provides support throughout the loan process.

Gather Consumer Financial Data:

• Another central duty of the consumer loan officer is gathering financial data to support approval of or reject decisions.
• This typically involves verifying consumer information, such as employment records and bank account holdings, along with conducting in-depth research related to the applicant’s creditworthiness by pulling credit reports and verifying a history of on-time payments.

Establish Payment Plans:

• Consumer loan officers frequently work with customers to establish payment plans as part of the loan application and approval process.
• These plans break loans into manageable amounts and may also provide the customer with some flexibility regarding prepayment or temporary deferment. Some loan officers may also assist customers with setting up automated payments.

Maintain Approval and Rejection Records:

• For each loan approval and rejection, the consumer loan officer maintains thorough records that might detail reasons for rejection, approval terms, and customer data that show why they decided on certain loan elements.
• This ensures compliance with lending guidelines, while also providing a record of the approval or rejection process if the customer has questions about the consumer loan officer’s reasoning or determinations. Additionally, the consumer loan officer’s superiors may request justifications for an approval or denial.

Manage Account Data:

• Consumer loan officers also work with other banking professionals to maintain and update customer account data that can affect loan options and payments. For example, a customer’s income may change, or credit score may increase, making them eligible for larger loans at more competitive rates. While bank clerks may handle the data entry, the consumer loan officer ensures that it is correct and timely.

Conduct Customer Outreach and Support:

• Marketing, support, and outreach are all central to the consumer loan officer’s role. Before, during, and after the loan application process, consumer loan officers use a variety of methods to reach out to potential customers and provide information on loan products and procedures, ensuring they have a positive borrowing experience, that they return to the loan officer for future loans, and that they refer their associates to the same financial institution.

Requirements

• Candidates should possess a Bachelor’s Degree with 1 – 2 years experience.

Salary
N35,000 – N60,000 / month.