Collections Representative salary in Ghana

Average Yearly Salary of Collections Representative in Ghana is approximately 27,554 GHS (2,288 USD). Data is for 2025 and indicates a pre-tax value. The salary itself depends on multiple factors such as seniority, job performance, certifications, experience or any other bonuses. The value indicated is an average amount based on records we have in database. Real values may vary. The data is for orientational purposes.

What does Collections Representative do?

A collections representative is responsible for contacting individuals or businesses who have overdue payments or outstanding debts. They work in various industries, such as finance, healthcare, telecommunications, or retail, and their primary goal is to recover the owed funds. Collections representatives typically communicate with debtors via phone calls, emails, or letters to negotiate payment plans, provide information about outstanding balances, and address any concerns or disputes. They may also update customer records, process payments, and escalate unresolved issues to supervisors or legal departments if necessary. This occupation requires strong communication and negotiation skills, as well as the ability to handle difficult or sensitive conversations professionally. Attention to detail, persistence, and a thorough understanding of relevant laws and regulations are also essential for success in this role.

Skills: Collections representative, Debt collection, Payment recovery, Customer communication, Negotiation skills, Financial services
Job industry: Finance

How much does Collections Representative make?

Difference in salary year over year or average salary increase is approximately 4 %


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Salary comparison to National average

Is Collections Representative a well paid job?

No, our data shows that Collections Representative is typically not a well-paid job. The salary varies based on experience. Meaning that even though Collections Representative might be a low paying job, with experience the salary might increase to satisfactory levels.

What is considered a high salary for Collections Representative?

High salary for Collections Representative would be somewhere between 30,309 GHS and 39,953 GHS. However this is an estimation based on Gaussian Distribution.

How much can you save working as Collections Representative in Ghana?

Living in Ghana the approximate monthly expenses are: 140 USD. This amount covers basic needs such as food, housing, clothing, healthcare and education costs for a single person. No luxury expenses such as traveling, leisure, hobbies are included in the estimation.

Estimated Yearly Salary: 27,554 GHS
Estimated Monthly Salary: 2,296 GHS
Estimated Weekly Salary: 530 GHS per week
Estimated Hourly Salary: 13 GHS per hour
By working as Collections Representative a person can save up to 51 USD per month or 608 USD yearly. Values are pre-tax.

NOTE: These values are estimates and are averaged for the whole country. Furthermore the value is likely exaggerated as no other expenses are taken into account in the projection. Unessential expenses are very subjective and are difficult to assess. Most likely the previously estimated number is significantly lower for majority of people. Expenses in different cities across the country may vary. Above values accuracy is low and is based on limited set of data obtained.

For more information regarding expenses in Ghana, see costs of living in Ghana.

Salary comparison to region and neighbouring coutries

Country's neighbours are: Burkina Faso, Cote d'Ivoire (Ivory Coast), Togo..
To make it easier for comparison a conversion from local currency to USD has been made (conversion rates may vary).

Estimated Yearly Salary for Collections Representative

Last revision of data: 2025-01-04

Salary increase per years of experience

Based on data available the salary increase per years of experience is as following

0 years (beginner) equals base salary

1 to 5 years of experience yields +12% salary increase

6 to 10 years of experience yields +25% salary increase

11 to 15 years of experience yields +16% salary increase

16 to 25 years of experience yields +9% salary increase

more than 25 years of experience yields +10% salary increase

NOTE: Details based on limited set of data. Percentages may vary. The salary increase over years of experience can vary widely based on factors such as job industry, job role, location, company size, and individual performance. To gain even larger increase in salary one is advised to switch jobs and / or employer.

Top 10 highest salaries in Ghana

Data as of 2025

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