Risk and Recovery Officer

Debt Tracking and Monitoring: Review daily loan reports to spot overdue payments, delinquent accounts, and emerging credit risks. 

Client Communication and Negotiation: Call, email, or visit clients face-to-face to understand their financial challenges and arrange practical repayment plans. 

Field Operations: Conduct field visits, inspect customer securities or collaterals, and coordinate asset liquidation or asset recovery (such as vehicle or equipment repossession) when policies allow.

Legal and External Coordination: Prepare cases for legal action, manage relationships with external court bailiffs or debt collectors, and ensure formal instructions follow compliance rules.

Risk Management and Reporting: Maintain precise records of all collections, reconcile recovered cash amounts, and advise management on chronic defaulters or debt write-offs.