The Post-Loan Collection Officer is responsible for managing and recovering overdue loan payments from customers. This role ensures timely repayment of loans while maintaining a positive customer relationship and adhering to all company policies and regulatory guidelines.

Key Responsibilities:


Monitor and follow up on assigned delinquent accounts to ensure timely loan recovery.
Contact borrowers via phone calls, emails, SMS, and physical visits to negotiate repayment plans.
Maintain accurate records of interactions and repayment agreements with customers.
Conduct field visits to trace and recover overdue payments from defaulting clients.
Collaborate with legal or recovery agents for escalated recovery cases where necessary.
Recommend accounts for write-off or legal action where recovery is impossible.
Analyze reasons for loan defaults and recommend strategies to reduce future delinquencies.
Provide periodic reports on portfolio performance, recovery efforts, and challenges.
Maintain strict confidentiality of client financial records.
Ensure compliance with internal credit policies, regulatory guidelines, and ethical standards.


Key Performance Indicators (KPIs):


Portfolio at Risk (PAR) reduction rate
Recovery rate of delinquent loans
Number of successful repayment agreements secured
Timeliness of follow-ups and reports
Client satisfaction and retention rate (post-recovery)


Skills:


Strong communication and negotiation skills
Proficiency in Microsoft Office and loan management software
Ability to work under pressure and meet deadlines
Good understanding of credit risk and recovery processes
High level of integrity and professionalism
Must have an Android Phone 
Should reside within Ikeja and its environs