Overview

MIM Finance Company Limited is a Central Bank of Nigeria-regulated financial institution based in Nigeria. It provides loans to businesses and individuals, aiming to offer affordable financial solutions. The company primarily funds its operations through the personal finances of its board of directors, its UK-based parent company, and close associates of its founder, George Badejo-Adegbenga. MIM Finance also supports financial literacy initiatives and focuses on rebuilding customer credit scores through restructuring programs.

Job Position: Loan Collection Specialist
Location: Lagos

Job Description

Ethica Resolve is a leading UK debt recovery firm that purchases debt portfolios and works with customers to arrange sustainable repayment solutions. As a Debt Management Agent, you will be responsible for contacting customers with outstanding loan repayments, negotiating payment plans, and ensuring compliance with FCA regulations while maintaining a professional and empathetic approach.

The Ideal Candidate for the role will have experience in the Finance Industry, having worked in the capacity of a loan recovery officer, will have great diction, which will make communication seamless when speaking with our Based Customers.

Job Responsibilities:

Debt Recovery & Customer Contact:

  1. Proactively reach out to customers via phone, email, and letters regarding overdue loan repayments.
  2. Negotiate repayment arrangements based on customers’ financial circumstances.
  3. Maintain accurate records of all interactions and payment agreements in the collections system.

Customer Communication & Dispute Handling:

  1. Speak clearly and professionally with customers across the UK, demonstrating strong verbal communication skills.
  2. Handle objections, disputes, and complaints with patience and problem-solving skills.
  3. Provide clear explanations of debt obligations and available repayment options.

Compliance & Regulatory Adherence:

  1. Ensure all collection activities follow FCA guidelines, Consumer Duty regulations, and Data Protection laws (GDPR).
  2. Treat customers fairly, identifying vulnerable customers and escalating cases where necessary.
  3. Stay updated on industry regulations and company policies.

Performance & Target-Driven Work:

  1. Meet and exceed monthly collection targets while maintaining high customer service standards.
  2. Work efficiently within a structured dialer/CRM system to manage caseloads.
  3. Minimise bad debt by securing sustainable payment plans.

Reporting & Team Collaboration:

  1. Provide regular updates on recovery progress to management.
  2. Work closely with internal teams (legal, compliance, and customer support) to resolve complex cases.

Requirements:
Experience:

  1. Candidate must have debt collections (essential) or experience in financial services (loans, credit, banking, or customer service in a financial setting).
  2. Familiarity with UK debt recovery processes is a strong advantage.

Communication Skills:

  1. Excellent spoken English – articulate, professional, and confident in handling difficult conversations.
  2. Strong negotiation and active listening skills.

Requirements:

  1. Strong negotiation and active listening skills.

Technical Skills:

  1. Proficient in collections software/dialer systems (training provided if needed).
  2. Basic Microsoft Office (Excel, Outlook).

Personal Attributes:

  1. Resilient and able to work in a target-driven environment.
  2. Empathetic yet assertive in negotiations.
  3. Strong attention to detail and compliance awareness.

Other Requirements:

  1.  Candidate must live on the island or close to the Island as the role is primarily an on-site role. Upon meeting performance, it may evolve to a hybrid/remote role.
  2. Candidate must have high-quality diction/speaking ability as the role entails speaking with customers in the UK
  3. Candidate must have either experience in collections or have worked in the capacity of a customer representative in a finance organisation, and understand collections and its processes.

How to Apply
Interested and qualified candidates should send their CV to career@moneyinminutes.ng using the Job Title as the subject of the email.

Tagged as: Accounting, Finance