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).