MAJOR TASKS AND 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.
