Credit & Recovery Team Lead
AI summary
Ellasot Consulting is recruiting a Credit & Recovery Team Lead for a reputable consumer finance organization in Port Harcourt, Rivers, Nigeria. The role involves supervising credit and recovery operations, managing loan portfolios, overseeing collections, and leading a team to minimize loan losses. Full-time position requiring 3–5 years of relevant experience in credit, lending, or recovery within financial services.
- Full-time role based in Port Harcourt, Rivers, Nigeria
- Requires 3–5 years of credit, lending, or recovery experience
- Bachelor's degree in Accounting, Finance, Economics, or related field needed
- Involves team leadership, portfolio monitoring, and recovery strategy
- Experience in microfinance, fintech, or financial services preferred
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required3+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, finance, Credit ManagementThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Port HarcourtThe vacancy is associated with this location.
- UnclearComfort with the Full-time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Credit & Recovery Team Lead evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Ellasot Consulting (on behalf of a reputable consumer finance organization) and the role in Port Harcourt.
- Add concrete examples related to sales, finance, Credit Management, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Credit & Recovery Team Lead role in sales, finance?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Port Harcourt under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Ellasot Consulting (on behalf of a reputable consumer finance organization) before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Use AI to apply better
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Original source description
Credit & Recovery Team Lead in a Reputable Consumer Finance Organization - Ellasot Consulting ⏲ Aug 14, 2026, 6:07 AM ⋕ View all Banking & Financial Services jobs Ellasot Consulting - Our client, a reputable consumer Finance organization, is recruiting to fill the position below: Job Title: Credit & Recovery Team Lead Location: Port Harcourt, Rivers Employment Type: Full-time Summary The successful candidate will be responsible for supervising the credit and recovery team, ensuring effective loan processing and portfolio management, monitoring customer repayments, managing delinquent accounts, and implementing appropriate recovery strategies to minimize loan losses. The role requires a strong understanding of credit assessment, loan portfolio management, customer relationship management, collections and recovery, as well as the ability to lead and motivate a team. We are seeking a competent, detail-oriented Credit &Recovery Team Lead to join its team. The ideal candidate would be responsiblefor overseeing the Company's credit operations and recovery activities. The Key Requirements: Credit Management: Work closely with the Credit Sales Officers to ensure quality loan origination and responsible lending. Monitor the quality and performance of the loan portfolio. Ensure that credit decisions are made in line with the Company's lending policies and risk guidelines. Identify potential credit risks and recommend appropriate actions to management. Supervise the credit process from customer application and verification through approval, disbursement, and post-disbursement monitoring. Review customer credit assessments and ensure proper documentation and verification before loan approval. Ensure accurate and timely maintenance of customer credit records. Recovery & Collections: Maintain regular contact with customers with outstanding obligations and negotiate appropriate repayment arrangements where necessary. Monitor overdue and delinquent accounts and ensure timely follow-up with customers. Maintain accurate records of recovery activities, repayments and outstanding balances. Ensure recovery activities are conducted professionally and in accordance with Company policies. Supervise recovery officers and ensure that collection targets are achieved. Develop and implement effective recovery strategies for outstanding loans. Escalate difficult or high-risk accounts to management for appropriate action. Oversee the Company's loan recovery and collections activities. Team Leadership: Conduct regular reviews of team performance and provide feedback and guidance. Set performance targets and monitor team members' progress. Identify training and development needs within the team. Promote accountability, discipline and effective teamwork. Supervise, coach and motivate the Credit and Recovery team. Reporting & Portfolio Monitoring: Monitor key credit and recovery performance indicators. Analyze portfolio trends and recommend measures to improve repayment performance and reduce losses. Ensure proper reconciliation and accuracy of credit and recovery records. Provide management with timely updates on portfolio performance and significant credit risks. Prepare regular reports on loan disbursements, repayments, outstanding balances, delinquency and recoveries. Requirements: Bachelor's Degree in Accounting, Finance, Economics, Business Administration, or a related field. Excellent communication and customer management skills. Ability to work with targets and under pressure. Previous experience: supervising or leading a credit, collections or recovery team. Proficiency in Microsoft Excel and other relevant financial/credit management tools. 3 - 5 years of relevant experience: in credit, lending, collections or loan recovery, preferably within a microfinance institution, financial services company, fintech or similar environment. Strong analytical, negotiation and problem-solving skills. Strong knowledge of credit assessment, loan monitoring and recovery processes. Good understanding of loan portfolio management and credit risk. How to Apply Interested and qualified candidates should send an updated CV to: [email protected] using the Job Title as the subject of the email . Note : Only candidates resident in Port Harcourt will be considered. View all Jobs in Nigeria Port Harcourt and 1 other location Port Harcourt , Rivers State