Responsibilities

• Portfolio Monitoring & Risk Control
• Monitor overdue loan accounts and flag early warning
• Track PAR Portfolio at Risk across different aging categories g Watch, Substandard, Doubtful and loss
• Ensure accurate recovery records and timely updates in the
• Supervision & Team Support
• Assist the Head of Collections & Recovery in supervising recovery officers, investigators, and external agents.
• Provide field support in difficult recovery
• Train and mentor junior staff on collection strategies, customer handling, and
• Debt Recovery & Negotiation
• Oversee day-to-day recovery operations, ensuring adherence to
• Engage directly with delinquent clients through calls, visits, and
• Negotiate repayment plans, restructuring, or settlements where
• Escalate cases to legal or external agencies when
• Reporting & Compliance
• Prepare daily, weekly, and monthly recovery reports for
• Track recovery KPIs recovery rate, PAR reduction, write-offs, CRB listings, .
• Ensure compliance with internal policies, legal frameworks, and regulatory
• Liaise with legal, credit, and risk departments on recovery-related
• Strategy & Process Improvement
• Recommend new recovery strategies digital collections, incentives, penalties.
• Support in developing policies to reduce delinquency and improve collection
• Contribute to process automation dashboards, MIS, reminders.

Qualifications & Skills

Educational Background

• Bachelor’s degree in Finance, Business Administration, Accounting, Banking, or related
• Professional certifications in credit management, debt recovery, or risk management are an added advantage.

Experience

• 3–5 years’ experience in credit recovery/collections within a financial
• Proven track record in debt recovery, portfolio monitoring, and team coordination.
• Experience handling legal recovery processes court, collateral realization.