Must have skills
Good analytical skills
Excellent negotiation skills
High-level influencing and interpersonal skills
Excellent critical thinking and solution-oriented
Must be street savvy and conversant with Lagos envi
Must be efficient in follow up for Debt repayment
Good knowledge of Credit Portfolio monitoring activities.
Qualification and Experience
Minimum of HND or Degree from any reputable University or Polytechnic.
Minimum of 3-4 years working experience in Loan and Debt Recovery service.
Hands-on experience working in a Microfinance and/or FINTECH space
Strong planning, organizational and time management abilities
Experience in database Management.
Responsibilities.
Follow up with major debtors to resolve Loan repayment challenges before default.
Ensure and enforce repossession/recovery of Assets and properties of defaulting Loan
Monitor Loan Portfolio of the Bank for the purpose of resolving issues with NPL (Non Performing Loans) and scaling down the overall Portfolio at Risk of the Bank.
Carry out regular calls, site and follow up visits, to implement remedial strategies and action plans agreed with the Team Lead.
Raise and tender Demand Notices to defaulting customers of the Bank
Provide progress reports on interactions with Loan Customers in respect of Loan repayment status.
Monitor and obtain background information and feedback on all accounts assigned to the Assets & Recovery Agencies to ensure Accounts allocated to them are fully recovered.
Monitoring and recovery of past due and expired Loans in the Bank.
Preparation and recommendation of strategies for recoveries on major assigned accounts to the management.
Negotiation of suitable repayment plans with defaulting Customers who are willing but unable fully repay their past due obligations in one instalment.
Expand and maintain the customer base of the firms debt recovery team
Have an appropriate level of knowledge of all clients’ business, background and circumstances and fully understand the client requirements.
Issue County Court judgments, prepare and issue Statutory Demands, as well as enforcing money judgments outside of jurisdiction and bankruptcy petitions, winding up petitions and applications for carriage.
Maintain high standards of financial management and record keeping.
Maintain up to date knowledge and understanding of appropriate regulations and internal policies and procedures in relation to debt recovery.
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