• 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.

• 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.

• 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.

• 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.

• 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.