Job description
Key Responsibilities
1. Arrears Management (45–90 Days)
Monitor all accounts falling within the 45–90 days past due bracket across assigned branch(es).
Analyze delinquent accounts to determine causes of default and recommend appropriate recovery actions.
Develop and implement recovery strategies to bring accounts back to regular status and(or) prevent them from entering the > 90days past due brackets.
Coordinate closely with branch credit and recovery officers to ensure timely action on arrears.
2. Recovery Support & Client Engagement
Conduct follow-ups through calls, field visits, and direct client engagement to negotiate repayment plans.
Engage guarantors and other responsible parties to facilitate repayments.
Prepare and issue demand notices for chronic arrears where applicable.
Recommend accounts (to Branch Supervisors) that qualify for legal or external recovery action.
3. Reporting & Analysis
Maintain updated arrears tracking reports for the 45–90 day category.
Prepare weekly and monthly performance reports highlighting trends, challenges, and recovery results.
Provide early warning signals and feedback to management (Branch and Recovery Unit) on emerging risk patterns.
Support data accuracy by reconciling client repayment information and MIS reports.
4. Collaboration & Compliance
Work closely with the Client Relationship Officer, Recovery Officer and Team Lead at the branch to ensure alignment with overall delinquency reduction goals.
Ensure adherence to Advans Ghana’s recovery and credit policies, procedures, and ethical standards during recovery efforts.
Participate in review meetings and performance evaluations related to portfolio quality at the Branch and the Recovery Unit levels.
5. Training & Support
Provide feedback and guidance to Client Relationship Officers staff on delinquency management best practices.
Support awareness creation on the importance of early follow-up and portfolio quality.
Required profile
WHAT KIND OF PROFILE ARE WE LOOKING FOR?
You have a:
Minimum Education:
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Bachelor’s degree in Banking, Finance, Accounting, Economics, or related field.
Experience:
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Minimum of 2 years’ experience in credit monitoring, recovery, or portfolio management within a financial institution (preferably microfinance or savings and loans).
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Strong analytical, negotiation, and communication skills.
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Proficiency in MS Excel, reporting tools, and basic credit management systems.
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Sound understanding of credit risk management and recovery processes.
Key Competencies
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Excellent debt recovery and negotiation skills.
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Strong interpersonal and communication abilities.
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Analytical and detail-oriented mindset.
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Ability to work under pressure and meet deadlines.
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High sense of integrity, discipline, and accountability.
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Results-driven with focus on portfolio improvement.
About Advans
Advans is a leading international microfinance group established in 2005. Advan’s mission is to respond to the need for financial services for small businesses and other populations who are underserved, limited, or have no access to formal financial services. The Advanced Group currently spans nine countries: Cambodia, Cameroon, Ghana, the Democratic Republic of Congo, Côte d’Ivoire, Pakistan, Nigeria, Tunisia, and Myanmar. As of the end of April 2023, the group served more than 1,200,000 clients and employed more than 8,100 staff. The group’s shareholders are EIB, KfW, FMO, CDC Group plc, FISEA (AFD Group), and IFC. Advans Ghana, a subsidiary of the international microfinance group Advans, started its activities in 2008. The institution offers a full range of adapted financial products and services to micro, small, and medium-sized enterprises in Ghana. The institution serves more than 120,000 clients through a network of 20 points of sale and around 600 employees.
0800 355 355
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