Collections Agent - Accra, Ghana (Contract)

About Oze
Oze is a fast-growing fintech helping small and medium businesses across Africa access the financial tools, insights, and credit they need to grow. We operate across multiple Sub-Saharan markets and are now expanding our collections capability in Ghana.
The role
We're hiring a tenacious, results-driven Collections Agent to join our Ghana team on a contract basis, based in Accra. You'll own the end-to-end recovery of overdue and delinquent loans — working the phones, the field, and everything in between — to protect portfolio health and minimise credit losses.
This is a field-heavy role. You'll spend most of your time visiting borrowers in person across Accra and surrounding areas, and occasionally further afield in Ghana when accounts require it.
This is a performance-driven role — your earnings grow directly with your recovery results.
What you'll do
Contact and engage delinquent borrowers through phone, SMS, and in-person visits to recover overdue repayments
Conduct structured field visits to borrower locations across Accra and assigned territories
Negotiate repayment plans and settlements in line with company policy
Keep accurate, up-to-date records of every contact, visit, and outcome in our loan management system
Work with the credit and risk team to prioritise accounts by delinquency bucket and risk level
Escalate unresolved or high-risk accounts to the Collections Team Lead promptly
Hit monthly collection targets and recovery rate KPIs
Represent Oze professionally in every interaction; our reputation in the field matters
What we're looking for
1–2+ years of experience in loan collections, field recovery, or credit collections (fintech, microfinance, or banking strongly preferred)
A proven track record of hitting and exceeding collections targets
Strong negotiation, persuasion, and conflict resolution skills — you can hold a difficult conversation and still leave the borrower willing to pay
Fluent English; proficiency in Twi is a strong advantage, and other Ghanaian languages (Ga, Ewe, Hausa) are a plus given Accra's mix
Deep familiarity with Accra — you know how to navigate the city efficiently
Self-motivated and resilient; comfortable working independently in the field
Familiarity with loan management systems or CRM tools is a plus
Valid ID, willingness to travel within assigned territory, and a smartphone with reliable internet
Why this role
Uncapped performance-based earnings, a clear growth path as we scale collections in Ghana, and the chance to build something real with a team that moves fast and takes ownership seriously.

Employment type
Contractor

Work arrangement
No