Junior Loan Recovery Officer at Sage-Grey Finance Limited Lagos 2026

Sage-Grey Finance Limited is hiring a Junior Loan Recovery Officer in Lagos. This role focuses on managing delinquent loans, negotiating repayments, and supporting collections in a regulated financial institution. If you have 2-4 years of experience in debt recovery or banking operations, this could be your next move.

Deadline: 12th July, 2026. Send your CV to careers@sage-grey.com with subject: “Junior Loan Recovery Officer”.

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Job Summary

The Junior Loan Recovery Officer will support recovery and collections functions. Key duties include following up on overdue loans, negotiating payment plans, maintaining accurate records, and ensuring compliance with CBN guidelines on fair debt collection practices.

Key Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
• 2–4 years’ experience in debt recovery, collections, credit risk, or banking operations.
• Mandatory experience in a financial institution.
• Strong knowledge of debt collection techniques, negotiation, and loan documentation.
• Proficiency in Microsoft Excel and Word.
• Familiarity with recovery tools, loan management systems, or CRM is an advantage.
• Excellent negotiation, communication, and interpersonal skills.
• High resilience, emotional intelligence, and ability to handle tough conversations.
• Integrity, confidentiality, and strong ethical standards.
• Understanding of Nigerian legal frameworks and CBN circulars on debt recovery.

Why Work at Sage-Grey Finance Limited?

Sage-Grey Finance Limited is a CBN-licensed and regulated financial institution offering lending, fund management, and advisory services. They focus on impact finance and SME support, with a team that values integrity and professional growth. Located in Victoria Island, Lagos, this role offers hands-on experience in a growing fintech-adjacent firm.

Salary and Benefits Expectations

While not publicly disclosed, similar Junior Loan Recovery Officer roles in Lagos financial institutions typically range from ₦150,000 – ₦250,000 monthly base (depending on experience), plus performance incentives and standard benefits like HMO. Negotiate based on your track record in collections.

Step-by-Step Guide: How to Apply Successfully

1. Tailor your CV: Highlight specific debt recovery achievements, recovery rates, and financial institution experience. Use quantifiable metrics (e.g., “Recovered 85% of assigned portfolio”).
2. Craft a strong subject line: “Junior Loan Recovery Officer” exactly as instructed.
3. Write a brief cover email: Mention your years of experience, key skills matching the JD, and enthusiasm for Sage-Grey’s impact focus.
4. Attach documents: PDF CV (named clearly) and any relevant certifications.
5. Submit before 12 July 2026 for best chances. careers@sage-grey.com

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Essential Skills for Success in Loan Recovery

Top performers combine persistence with empathy. Master negotiation tactics, stay updated on CBN’s Global Standing Instruction (GSI) for multi-bank recoveries, and document every interaction meticulously to support potential legal steps.

Build resilience through role-playing difficult calls and focus on ethical practices to protect your reputation and the company’s license.

ALSO READ: How to Prepare for Banking Aptitude Tests and Interviews in Nigeria

Conclusion

This Junior Loan Recovery Officer position at Sage-Grey Finance Limited offers a solid opportunity to build a career in Nigerian finance with real impact on loan portfolios. Update your CV today and send it in. Good luck!

Apply Now: careers@sage-grey.com

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