Job opportunity – Credit Officer at Lendha in Ikorodu, Lagos State

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Position: Credit Officer

Industry: Company Finance/Microfinance

Employment Type: Full-Time

Placement: Ikorodu, Lagos State

Job Description

Lendha is seeking candidates for a position in Credit Officer based in Ikorodu, Lagos State. If you are interested in this opportunity, please review the details below.

Lendha is dedicated to empowering small businesses by providing seamless access to credit and spend management tools essential for their growth. As a Credit Officer, you will play a crucial role in managing debt collection processes, developing and enacting payment plans, and ensuring the growth of our loan portfolio. Your responsibilities will include managing past due accounts, contacting clients via telephone, email, and in-person visits, and compiling detailed reports on the status of delinquent accounts. You will work closely with analysts to recommend and implement payment plans in alignment with Lendha’s collections policy.

In addition to debt settlements, you will actively engage in customer acquisition by presenting, promoting, and selling Lendha's products to existing and prospective clients across various sectors, including e-commerce, consumer goods, healthcare, and financial services. You will support the evaluation of loans by ensuring proper credit appraisals and monitor accounts to identify outstanding debts. Clear communication with clients regarding contract terms and payment options is essential, as is the ability to work cooperatively with other departments to balance the needs of both the customer and Lendha.

To succeed in this role, you must possess strong analytical skills, excellent relationship and communication skills, and a real motivation to work and grow in a performance-based environment. Fieldwork will be a significant part of your job, and familiarity with the microfinance bank sector is an advantage. If you are passionate about supporting small businesses and have a taste for fieldwork, we encourage you to apply for this opportunity.

Job Detail


  • Manage debt collection processes
  • Develop and enact payment plans
  • Maintain and manage past due accounts
  • Contact clients via telephone, email, and visits
  • Compile daily, weekly, and monthly reports
  • Present, promote, and sell Lendha's products
  • Support loan evaluation and credit appraisals
  • Monitor accounts to identify outstanding debts
  • Communicate contract terms and payment options with clients
  • Collaborate with other departments

Job Requirements

Before applying, please take the time to thoroughly review and comprehend the job requirements outlined below. Ensuring that you meet all the specified criteria will significantly enhance your candidacy for the Credit Officer position at Lendha:


  • Good relationship and communication skills with strong team spirit
  • Strong analytical skills
  • Good computer skills
  • Real motivation to work and grow in a performance-based environment
  • Taste for fieldwork

Education Requirements

  • Bachelor’s Degree or Higher National Diploma in any discipline from an accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter

Experience Requirements

  • Practical knowledge of micro/small/medium businesses
  • Knowledge of the microfinance bank sector is an advantage


  • Strong analytical skills
  • Good relationship and communication skills
  • Good computer skills
  • Good writing skills
  • Knowledge of major local languages

Salary, Benefits and incentive

Provided below are the offerings in terms of salary, benefits, and incentives awaiting you in the role of Credit Officer at Lendha:


NGN 100,000 - 200,000 per-Month.

Job Benefits

  • Competitive salary
  • Professional growth opportunities
  • Health insurance
  • Transportation allowance

Incentive Compensation

  • Performance-based incentives
  • Annual bonus

Date posted: July 7, 2024

Posted on: Ikorodu


To apply for the Credit Officer position at Lendha, please click the button below:

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This position requires residence in the Ikorodu - Lagos axis and offers an excellent opportunity for individuals passionate about supporting small businesses and working in the microfinance sector. The role demands a proactive approach to debt collection and customer acquisition, ensuring the growth of Lendha's loan portfolio while maintaining high standards of client service and satisfaction.