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.