Recovery Officer Job in Lagos (₦200k-₦350k) at Fina Trust Microfinance Bank (4 Openings)

About Fina Trust Microfinance Bank

Fina Trust Microfinance Bank is a member of the LOLC Group, whose corporate head office is in Colombo, Sri Lanka. It is one of Nigeria’s foremost microfinance banks and received its operating license from the Central Bank of Nigeria (CBN) in September 2009.

The bank has built its success on excellent service delivery in a customer-friendly environment, delivered by professional staff and supported by modern technology. Continuous investment in information technology and in people sets it apart from other banks.

The bank is now recruiting Recovery Officers across its Lagos operations.

Recovery Officer Job Summary (Lagos)

Fina Trust Microfinance Bank is hiring four full-time Recovery Officers in Lagos, at its Oshodi/Ladipo, Trade Fair/Alaba, Lagos Island, and Ikeja locations. The role recovers overdue and delinquent loan accounts and helps build a stronger loan portfolio. It is open to graduates and HND holders in Accounting, Finance, Economics, Business Administration, Marketing, or a related field, with 2 to 4 years of experience in loan recovery, debt collection, credit administration, or microfinance banking.

Quick Facts

• Job Title: Recovery Officer
• Company: Fina Trust Microfinance Bank
• Number of Openings: 4
• Locations: Oshodi/Ladipo, Trade Fair/Alaba, Lagos Island, and Ikeja, Lagos
• Employment Type: Full-time
• Salary: ₦200,000 to ₦350,000 monthly
• Application Deadline: 15th November, 2026

Job Summary

The bank is seeking dynamic, resourceful, and target-driven professionals to join its results-driven team as Recovery Officers. Candidates with strong negotiation skills, a passion for achieving results, and the ability to manage difficult customer engagements professionally are encouraged to apply.

Key Responsibilities for This Recovery Officer Job

Loan Recovery

• Proactively manage and recover overdue and delinquent loan accounts.
• Contact customers through calls, messages, official correspondence, and physical visits to ensure timely repayment.
• Conduct field visits to customers’ business locations and residences to follow up on outstanding obligations.
• Follow up on broken repayment promises and make sure agreed repayment plans are honoured.

Negotiation & Portfolio Monitoring

• Engage defaulting customers and guarantors to negotiate realistic repayment arrangements in line with the bank’s policies.
• Monitor assigned loan portfolios and identify early warning signs of potential defaults.
• Recommend appropriate recovery and escalation strategies for high-risk and non-performing accounts.

Collaboration

• Work closely with Relationship Officers, Branch Managers, and the Credit and Risk teams to improve portfolio quality.

Reporting & Documentation

• Prepare and submit accurate daily, weekly, and monthly recovery reports.
• Maintain proper documentation of recovery activities and customer engagements.

Compliance

• Ensure all recovered funds are paid directly into approved bank accounts.
• Adhere strictly to the bank’s credit policies, recovery procedures, and regulatory requirements.

Requirements for This Recovery Officer Job

• A Bachelor’s degree or HND in Accounting, Finance, Economics, Business Administration, Marketing, or any related discipline.
• 2 to 4 years’ relevant experience in loan recovery, debt collection, credit administration, or microfinance banking.
• A good understanding of loan delinquency management, credit risk, and recovery processes.
• Strong negotiation, communication, and interpersonal skills.
• Excellent analytical, problem-solving, and report-writing abilities.
• A high level of integrity, discipline, professionalism, and accountability.
• The ability to work under pressure, meet recovery targets, and undertake regular field assignments.
• Proficiency in Microsoft Office applications.

Nice to Have

• Previous experience recovering SME, individual, or commercial loans.

What the Bank Is Looking For

The bank wants candidates who are:

• Highly target-driven and results-oriented
• Assertive, persistent, and confident in handling difficult recovery situations
• Excellent negotiators with strong customer engagement skills
• Proactive, responsible, and committed to achieving set targets
• Willing to travel and conduct regular field recovery activities

Compensation & Benefits

• Salary of ₦200,000 to ₦350,000 monthly
• Professional development and career growth opportunities
• Exposure to a dynamic banking and financial services environment
• The opportunity to contribute directly to the bank’s business growth and portfolio performance

Why This Recovery Officer Job in Lagos Stands Out

This role offers:

• A clearly stated salary range of ₦200,000 to ₦350,000 monthly
• Four openings across Oshodi/Ladipo, Trade Fair/Alaba, Lagos Island, and Ikeja
• Membership of the LOLC Group, with a CBN-licensed microfinance bank
• Open to both graduates and HND holders
• Career growth and professional development opportunities
• A simple email application process

If you are among job seekers looking for banking, recovery, or microfinance jobs in Lagos, this Fina Trust Microfinance Bank opening is worth applying to.

How to Apply for This Recovery Officer Job

Interested and qualified candidates should forward their updated CV to hr@finatrustmfbank.com, using the job title and preferred location as the subject of the email.

Important notes:

• Indicate your preferred duty station in your application.
• Only shortlisted candidates will be contacted.

Application Deadline: 15th November, 2026

Frequently Asked Questions About This Recovery Officer Job

Q: What qualifications are needed for this job?
A: Candidates need a Bachelor’s degree or HND in Accounting, Finance, Economics, Business Administration, Marketing, or a related field, plus 2 to 4 years of experience in loan recovery, debt collection, credit administration, or microfinance banking.

Q: Where are the jobs located?
A: The openings are in Oshodi/Ladipo, Trade Fair/Alaba, Lagos Island, and Ikeja, Lagos.

Q: How many people are being hired?
A: There are four openings.

Q: How much does this job pay?
A: The listed salary is ₦200,000 to ₦350,000 monthly.

Q: Is this a full-time job?
A: Yes. The employment type is full-time.

Q: Will I work mostly in the office?
A: No. The role involves regular field visits to customers’ business locations and residences.

Q: Is microfinance experience required?
A: Experience in loan recovery, debt collection, credit administration, or microfinance banking is accepted. Experience recovering SME, individual, or commercial loans is an added advantage.

Q: How do I apply, and when is the deadline?
A: Email your updated CV to hr@finatrustmfbank.com with your job title and preferred location as the subject, before the deadline of 15th November, 2026.

Looking for more banking and microfinance jobs in Lagos? Check here.

Before applying, make sure your CV clearly highlights your loan recovery or debt collection experience, the recovery targets you have met, your negotiation record, and your experience with field visits and portfolio monitoring.

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