Minimum High School Diploma / SSCE / O-Level;
a Diploma or Bachelor's degree in Business, Marketing, Finance, or related field is an added advantage.
Training or certification in customer service, telesales, or financial services is a plus.
1–3 years’ experience in telesales, customer service, debt recovery, loan settlement, or call center operations.
Prior experience in debt management, microfinance, lending, or collections is highly preferred.
Experience negotiating with clients on loan repayment or restructuring arrangements is an advantage.
Basic understanding of:
Debt management and loan settlement processes
Financial terms (loan, interest, outstanding balance, settlement amount)
Credit reporting and consequences of default
Ability to use CRM or dialer tools, call scripts, and call management systems.
Competent in MS Office (Word, Excel) and digital communication tools.
Good data entry and record-keeping skills.
Excellent verbal communication skills with a clear and persuasive telephone manner.
Strong negotiation, objection handling, and closing skills.
Ability to remain calm, professional, and patient when dealing with distressed or emotional clients.
Ability to explain loan settlement terms clearly and gain customer trust.
Goal-oriented with strong drive to meet sales/settlement targets.
High level of professionalism and emotional intelligence.
Ability to work in a fast-paced, target-driven environment.
Strong ethical conduct, especially when dealing with confidential financial information.
Positive attitude, resilience, and willingness to learn.
Must understand and follow consumer protection rules, debt collection laws, and company compliance policies.
Ability to maintain strict confidentiality of client financial data.
Must adhere to scripted guidelines and avoid harassment or unethical practices in communication.
Must be willing to work shift schedules (if required).
Ability to work weekends or extended hours when needed to meet targets.