Loan Collection Officer — Isurf Global Services (Lekki, Lagos)

The Loan Collection Officer role at Isurf Global Services is an excellent opportunity for candidates who are results-driven and skilled at negotiation. This full-time position based in Lekki Phase 1 gives you hands-on experience recovering loans while earning competitive pay and benefits.

Why this role matters

As a Loan Collection Officer you will protect the lender’s cashflow and help clients find realistic repayment plans. You’ll use clear communication and professional negotiation to recover funds while maintaining borrower dignity.

Quick Job Details

• Company: Isurf Global Services
• Role: Loan Collection Officer
• Location: Lekki Phase 1, Lagos
• Type: Full-time (6 days/week)
• Salary & Benefits: ₦120,000+ depending on experience, free lunch, HMO, performance bonus up to ₦100,000
• Application Deadline: 31 December 2025
• How to Apply: Send CV to imafidon.blessing@isurfglobal.com with subject “Loan Collection Officer – Lekki”

Key Responsibilities

• Contact clients and recover outstanding loan balances via phone and SMS.
• Build rapport and negotiate suitable repayment plans.
• Update and maintain accurate collection records.
• Escalate unresolved or complex cases to supervisors.
• Consistently meet and exceed recovery targets.

Requirements

• OND/NCE required; B.Sc. is an advantage.
• Minimum 1 year experience in loan collections or similar role.
• Must own an Android smartphone.
• Strong communication and negotiation skills.
• Target-driven, resilient, and results-oriented.

How to Apply

Interested and qualified candidates should email their CV to imafidon.blessing@isurfglobal.com using “Loan Collection Officer – Lekki” as the email subject. Applications close 31 December 2025.

Embedded Application Templates

Sample CV / Resume

Sample Cover Letter

Sample Motivation / Statement of Purpose

Sample Application Email

Interview Preparation Guide

Role-Specific Questions (8–12)

• How do you approach a caller who is behind on payments?
• Describe a time you negotiated a repayment plan that succeeded.
• How do you handle hostile or emotional borrowers?
• Which metrics do you track to measure collection success?
• How do you prioritize multiple delinquent accounts?
• What CRM or tracking tools have you used?
• How do you escalate a complex case?
• How do you ensure records are accurate and audit-ready?
• How do you stay motivated under strict targets?
• Describe a difficult recovery and how you resolved it.

General Interview Questions (5–7)

• Tell me about yourself and your career goals.
• Why do you want to work at Isurf Global Services?
• How do you handle feedback and performance targets?
• Describe a time you worked well in a team.
• Where do you see yourself in two years?

Suggested Talking Points (for key questions)

• Approach to borrowers: Start with empathy, explain options, and agree next steps.
• Negotiation success: Mention a measurable outcome (e.g., recovered X% / reduced delinquency).
• Handling hostility: Stay calm, use active listening, set boundaries, escalate if needed.
• Tracking metrics: Recovery rate, promise-to-pay ratio, call-to-conversion rate.
• Prioritization: Focus on high-balance accounts and soonest-due promises first.

Do’s & Don’ts

Do’s

• Do prepare examples with measurable results.
• Do practice concise stories about negotiation wins.
• Do arrive early and dress smartly.
• Do bring a printed CV and notes on KPIs.
• Do show empathy and professionalism in responses.
• Do ask thoughtful questions about team targets and tools.

Don’ts

• Don’t speak negatively about past employers or clients.
• Don’t overpromise unrealistic recovery rates.
• Don’t interrupt the interviewer.
• Don’t be vague about how you handle difficult calls.
• Don’t arrive unprepared about the company.
• Don’t use slang or overly casual language.

Preparation Checklist

• Research Isurf Global Services and the collections team.
• Bring printed CV, pen, and note paper.
• Prepare 3–4 short success stories with outcomes.
• Confirm interview time and venue; arrive 15 minutes early.
• Wear smart, professional attire (business casual acceptable).
• Have contact details and references ready.
• If online, test your device, camera, and microphone beforehand.

Extra Pro Tips

• Use the STAR method (Situation, Task, Action, Result) for answers.
• Quantify achievements (percentages, amounts, KPIs).
• Practice calm breathing to manage nerves before the interview.
• Mirror the interviewer’s energy level and tone.
• Follow up with a concise thank-you email within 24 hours.

Tips to Work With — Deep Dive

1. Overview

The Loan Collection Officer ensures timely recovery of loan repayments while protecting customer relationships. Core responsibilities include client outreach, negotiation, record-keeping, and escalation.

Why it’s important: Effective collections sustain lending operations, reduce bad debt, and keep lending businesses viable.

2. Step-by-Step Process (How the role is executed)

Workflow (text-based flow):

Daily Queue → Prioritize Accounts (High Balance / Near Due) → Initial Contact (Call/SMS) → Verify Identity → Offer Repayment Options → Log Promise to Pay → Follow Up → Close or Escalate

Tools and documents used: CRM or collection log, client ID verification documents, repayment agreement templates, call scripts, performance dashboard.

3. Illustrative Example (Problem → Solution)

Problem: A borrower with a ₦150,000 outstanding balance missed three payments and is not answering calls.

Solution: Send SMS notice referencing previous payment history, then call during a different time window. Use a soft-opening script, propose a two-month repayment plan, log agreement in CRM, and set reminders for follow-up. Result: borrower commits to a plan and resumes payments.

4. Learning & Resources

• Free course: “Negotiation Fundamentals” on Coursera (audit for free)
• Professional certificate: “Credit Management” from a recognized training provider (paid)
• Advanced option: Diploma or B.Sc. in Business/Finance from a local university

5. Bonus — Sample Winning Essay Excerpt (for scholarship-style applications)

I am passionate about financial inclusion and believe structured debt recovery safeguards both lenders and vulnerable borrowers. Through my practical work in collections, I learned that respectful negotiation converts distressed accounts into recoveries and restores borrower dignity. I wish to deepen this practice by learning ethical credit management strategies, so I can scale positive outcomes across communities.

Final Notes & Application Reminder

This Loan Collection Officer role at Isurf Global Services is ideal if you are target-driven and comfortable negotiating repayment plans. The role offers practical growth, steady pay, and performance bonuses. Apply before 31 December 2025.

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