FairMoney Recruitment 2026: Collections Specialist Jobs in Lagos and Abuja

Are you looking for a finance or fintech job in Nigeria with opportunities to develop your skills in loan operations, customer communication, and debt recovery? FairMoney is recruiting Collections Specialists for its Small and Medium-sized Enterprise (SME) lending operations in Lagos and Abuja. These hybrid, full-time positions are suitable for graduates with customer-facing experience in consumer lending, overdue account management, and payment recovery.

The successful candidates will contact customers with overdue loan payments, negotiate repayment arrangements, track payment commitments, and maintain accurate collection records. Applicants should have a university degree, at least one year of relevant experience in consumer loan operations, and good Microsoft Excel, communication, and problem-solving skills.

If you meet these requirements, read on for the job details, qualifications, employee benefits, recruitment process, and official application links for both locations.

FairMoney Recruitment 2026: Job Overview

• Company: FairMoney

• Job Title: Collections Specialist, SME

• Available Locations: Lagos and Abuja, Nigeria

• Employment Type: Full-time

• Work Arrangement: Hybrid

• Qualification: University degree in a relevant field (BA / BSc / HND / BTech)

• Experience: At least one year in consumer loan operations or a related collections role

• Industry: Financial Services / Fintech

• Benefits: Private health insurance, pension plan, training and development, and performance bonus

• Application Deadline: Not specified

• Application Method: Online

About FairMoney

FairMoney is a digital financial services platform in Nigeria that provides access to financial products, including loans through its mobile application. The company operates in the financial technology sector, serving customers through digital services and related lending operations.

FairMoney offers career opportunities across different functions within financial services. The Collections Specialist position focuses on merchant lending and requires professionals who can communicate with customers, follow up on overdue payments, negotiate suitable repayment arrangements, and support effective loan recovery.

For candidates interested in fintech, credit operations, and financial services, this role can provide relevant experience in customer account management and repayment monitoring.

Available FairMoney Collections Specialist Jobs in Nigeria

FairMoney is advertising the Collections Specialist, SME position in two locations.

Both positions share similar responsibilities, qualifications, and benefits. Applicants should use the application link corresponding to their preferred location.

1. Collections Specialist, SME – Lagos

Location: Lagos, Nigeria
Employment Type: Full-time
Work Arrangement: Hybrid

Job Description

FairMoney is seeking a Collections Specialist to support its merchant lending operations in Lagos. The role involves contacting agents and merchants with overdue loan accounts, understanding repayment issues, and working towards timely settlement of outstanding balances.

The successful candidate will use telephone calls, email, and other lawful communication channels to follow up on overdue payments. They will also monitor repayment commitments, maintain detailed activity records, and negotiate practical payment arrangements with customers.

Key Responsibilities

The Collections Specialist will help maintain effective loan recovery processes by carrying out the following duties:

• Contact merchants and agents with overdue accounts to request payment and discuss outstanding balances.

• Review overdue loan information, verify account details, and follow up with customers to confirm repayment status.

• Negotiate suitable repayment plans and settlements aimed at resolving arrears and preventing further account delinquency.

• Monitor promises to pay and follow up with customers who have committed to making payments.

• Maintain daily collection records, including calls made, successful contacts with the appropriate customers, repayment promises, and promises fulfilled.

• Track collection activities and ensure records are accurate and up to date.

• Communicate professionally with customers while working towards the company's recovery objectives.

Qualifications and Requirements

Applicants for the Lagos position should have a university degree in a relevant discipline and at least one year of experience in consumer loan operations, particularly in dealing directly with customers whose accounts are overdue.

Candidates should also be confident using Microsoft Excel to maintain records and monitor collection activities. Strong communication skills are important because the job involves frequent contact with customers and negotiation of repayment arrangements.

The ideal applicant should be self-motivated, comfortable handling difficult conversations, and able to analyse account information before proposing solutions.

Apply for the Lagos position: Collections Specialist, SME – Lagos

2. Collections Specialist, SME – Abuja

Location: Abuja, Nigeria
Employment Type: Full-time
Work Arrangement: Hybrid

Job Description

FairMoney is also recruiting a Collections Specialist for its SME lending operations in Abuja. The person hired will help recover overdue payments from agents and merchants by maintaining customer contact, tracking repayment commitments, and resolving outstanding account issues.

This position requires someone who can approach customers professionally, keep accurate records, and work systematically towards repayment targets.

Key Responsibilities

The Abuja-based Collections Specialist will be responsible for:

• Contacting customers with overdue loan payments through telephone calls, emails, and other legally permitted channels.

• Confirming outstanding balances and checking the accuracy of overdue account information.

• Discussing repayment difficulties with customers and negotiating workable repayment plans.

• Following up on agreed payment dates to ensure customers honour their commitments.

• Keeping daily records of collection calls, customer contacts, promises to pay, and completed repayments.

• Monitoring collection activities and tracking pending payments.

• Applying sound judgement and problem-solving skills when dealing with delinquent customer accounts.

Qualifications and Requirements

Candidates should hold a university degree in a relevant field and have at least one year of experience in consumer lending operations or a similar role involving overdue accounts.

Applicants should also have good Microsoft Excel skills, strong verbal and written communication abilities, and the confidence to negotiate repayment arrangements with customers.

The employer is looking for professionals who can remain organised, work independently when required, and handle sensitive customer discussions calmly and professionally.

Apply for the Abuja position: Collections Specialist, SME – Abuja

General Qualifications and Skills Required

Although the vacancies are described as entry-level opportunities, applicants should note that at least one year of relevant consumer lending experience is required. The jobs may therefore be better suited to graduates who already have some experience in loan operations, credit recovery, or customer account management.

Educational Qualification

Applicants must have a university degree in a relevant discipline. The Lagos vacancy summary also lists postgraduate qualifications, but the detailed requirements specify a university degree. Candidates should confirm any qualification-specific requirements directly on the relevant application page.

Relevant Work Experience

Candidates need at least one year of experience in consumer loan operations, particularly in situations involving delinquent customers, payment recovery, or other account-related problems.

Experience in microfinance, digital lending, credit operations, collections, or customer account management may be relevant where it matches the job requirements.

Microsoft Excel Proficiency

The role involves recording customer interactions, tracking repayments, and maintaining daily collection information. Applicants should be comfortable using Microsoft Excel to organise and review records accurately.

Communication and Negotiation

The job requires regular conversations with customers who have overdue payments. Candidates must communicate clearly, listen carefully, explain outstanding obligations, and negotiate workable repayment arrangements while remaining professional.

Analytical and Problem-Solving Skills

Applicants should be able to review overdue account information, identify discrepancies, track payment commitments, and determine the appropriate next steps when payments are delayed.

Self-Motivation and Interpersonal Skills

The ideal candidate should be organised, persistent, and able to maintain productive customer relationships while meeting assigned work targets.

Benefits of Working at FairMoney

The supplied vacancy details list several benefits for successful candidates.

1. Private Health Insurance

Employees are offered private health insurance, subject to the company's applicable benefit terms.

2. Pension Plan

The benefits package includes a pension plan, supporting eligible employees' long-term retirement planning.

3. Training and Development

FairMoney offers training and development opportunities intended to support employees in improving their knowledge and professional skills.

4. Performance Bonus

The role includes a performance bonus as part of the advertised benefits. Eligibility and payment conditions should be confirmed with the employer.

Note: The vacancy information does not state the salary range or provide further details about the hybrid work schedule. Applicants should confirm compensation, working arrangements, and benefit conditions during recruitment.

Why You Should Apply for the FairMoney Collections Specialist Job

If you have relevant lending or customer account management experience, these vacancies may offer a useful next step in your career.

1. Gain Experience in Fintech and Digital Lending

The positions focus on merchant lending and overdue account management. This experience can help you develop a stronger understanding of how digital financial services handle repayment monitoring and loan recovery.

2. Strengthen Your Negotiation Skills

Collections work involves discussing overdue balances and agreeing on practical repayment arrangements. This can help you improve your negotiation, customer communication, and problem-solving abilities.

3. Develop Your Financial Operations Experience

By tracking repayment commitments, checking account information, and maintaining collection records, you can gain practical experience relevant to credit operations and other financial services roles.

4. Work in a Hybrid Environment

Both advertised positions are listed as hybrid. This offers a combination of remote and workplace-based arrangements, although candidates should confirm the precise schedule and attendance requirements with FairMoney.

5. Access Employee Benefits

The advertised package includes private health insurance, a pension plan, training and development, and a performance bonus, subject to the employer's applicable terms.

Tips for a Successful FairMoney Job Application

At ScholarJobs Hub, we recommend presenting your application around your ability to manage overdue accounts, communicate effectively with customers, and maintain accurate collection records.

1. Highlight your lending or collections experience. Explain the kinds of customer accounts you handled, your collection responsibilities, and how your work relates to consumer loans or overdue payments.

2. Demonstrate your negotiation skills. Include an example of how you communicated with a customer, addressed a repayment concern, or helped resolve an outstanding account, provided the information is accurate and appropriate to share.

3. Emphasise your Excel skills. Mention any experience using spreadsheets to monitor payments, update customer records, analyse figures, or prepare operational reports.

4. Show that you can work with targets. If you have experience meeting collection, customer service, or account management targets, include relevant evidence of your performance.

5. Keep your CV focused. Highlight the experience and skills most relevant to loan recovery, customer communication, repayment monitoring, and account management.

6. Choose the correct city. Apply using the Lagos or Abuja link, depending on your preferred location. Confirm the role's working arrangements before accepting an offer.

7. Prepare for the interview. Be ready to discuss how you would approach an overdue account, respond to a customer who cannot pay on time, track payment promises, and handle difficult conversations professionally.

FairMoney Recruitment Process

The supplied vacancy information outlines two initial stages in the recruitment process:

Stage 1: Talent Acquisition Screening Call

Candidates may be invited to a 30-minute screening call with a member of the Talent Acquisition team. This conversation may cover the applicant's background, relevant experience, interest in the position, and general suitability.

Stage 2: Technical Interview

The next stage is a 30-minute technical interview with the hiring manager. Applicants should be prepared to discuss their understanding of collections, repayment tracking, customer communication, Microsoft Excel, and problem-solving.

Follow any additional instructions provided by FairMoney during the recruitment process.

How to Apply for FairMoney Recruitment 2026

Interested and qualified candidates should apply online using the correct link for their preferred location.

Application Steps

1. Choose your preferred position: Lagos or Abuja.

2. Open the corresponding FairMoney application page.

3. Review the full job description and confirm that you meet the educational and experience requirements.

4. Prepare an updated CV highlighting your relevant lending or collections experience, communication skills, and Excel proficiency.

5. Complete the application form and submit your details as instructed.

6. Monitor your email and phone for any recruitment updates.

Official Application Links

• Lagos: Apply for Collections Specialist, SME – Lagos

• Abuja: Apply for Collections Specialist, SME – Abuja

Application deadline: Not specified in the supplied vacancy details. Check the relevant application page for the latest information and confirm that the position is still open.

Frequently Asked Questions (FAQs)

1. Is FairMoney recruiting in Nigeria?

The supplied vacancy information lists Collections Specialist, SME positions in Lagos and Abuja. Applicants should check the corresponding application pages to confirm that the vacancies remain open.

2. What is the job title?

The position is titled Collections Specialist, SME, focusing on merchant lending and overdue account recovery.

3. What qualifications are required?

Applicants need a university degree in a relevant discipline. The Lagos vacancy summary lists BA/BSc/HND and postgraduate qualifications, while its detailed requirements specify a university degree. Candidates should confirm any qualification-specific conditions on the relevant application page.

4. How much experience is required?

At least one year of experience in consumer loan operations, particularly dealing with delinquent customers and payment recovery, is required according to the supplied vacancy details.

5. Are these jobs remote?

Both jobs are listed as hybrid rather than fully remote. Applicants should confirm the required office attendance and work schedule with the employer.

6. What benefits does FairMoney offer?

The supplied vacancy information lists private health insurance, a pension plan, training and development, and a performance bonus.

7. What is the recruitment process?

The stated process includes a 30-minute screening call with a Talent Acquisition team member, followed by a 30-minute technical interview with the hiring manager.

8. What is the salary for the Collections Specialist job?

The supplied vacancy details do not state the salary. Applicants should ask the employer for the compensation range and other employment conditions.

9. When is the deadline?

No application deadline was provided. Check the job page for the latest availability information.

Conclusion

The FairMoney Collections Specialist, SME recruitment 2026 offers two hybrid, full-time opportunities in Lagos and Abuja for graduates with relevant experience in consumer lending operations, overdue account management, or payment recovery.

The roles require strong communication and negotiation skills, Microsoft Excel proficiency, analytical thinking, and the ability to track repayment commitments accurately. The advertised benefits include private health insurance, a pension plan, training and development, and a performance bonus.

If you meet the requirements, prepare a focused CV and apply through the official link for your preferred location. Check the vacancy details carefully, as the deadline and salary were not specified in the supplied announcement.

For more updates on fintech jobs, finance vacancies, customer service roles, and other employment opportunities in Nigeria, keep visiting ScholarJobs Hub.