Additional Details
Application Deadline
6 October 2026, 11:59 PM WAT
(13 days left)
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Job Description
Job Descriptions
- Develop and execute aggressive, structured recovery strategies across delinquency buckets, high-value exposures, written-off accounts, and difficult-to-recover portfolios.
- Determine the appropriate legal recovery route for delinquent accounts and ensure timely escalation through demand notices, settlement negotiations, litigation, enforcement, and other lawful recovery mechanisms.
- Segment recovery accounts by exposure, delinquency stage, customer profile, probability of recovery, and appropriate recovery channel.
- Drive the preparation, issuance, tracking, and follow-up of demand letters, pre-action notices, settlement agreements, and other recovery documentation.
- Manage and hold external law firms, recovery agencies, field agents, and other approved recovery partners accountable to clearly defined targets and timelines.
- Manage CredPal’s recovery litigation portfolio from commencement through judgment and enforcement, ensuring cases progress without unnecessary delays.
- Coordinate lawful physical recovery and customer-engagement activities for accounts requiring field intervention.
- Lead negotiations with delinquent customers and counterparties, structure commercially viable repayment plans, and recommend settlements where appropriate.
- Personally oversee high-value and sensitive recovery cases requiring senior-level intervention.
- Collections Collaboration: Work closely with Collections, Credit, Risk, Finance, Data, and Operations teams to ensure seamless escalation from collections into legal recovery.
- Leverage available customer, transaction, employment, banking, contact, and location data to improve recovery strategies and contactability, subject to applicable laws and internal policies.
- Maintain clear visibility of every escalated account, action taken, responsible recovery channel, next step, expected recovery amount, and recovery status.
- Evaluate recovery costs against expected recoveries and ensure external legal and recovery expenses remain commercially justified.
- Ensure loan documentation, agreements, transaction records, communications, and supporting evidence required for enforcement are complete and properly maintained.
- Advise the business on legal risks relating to lending, debt recovery, customer disputes, settlements, enforcement, and contractual obligations.
- Ensure all recovery activities comply with applicable Nigerian laws, regulatory requirements, consumer-protection standards, data-protection requirements, and CredPal policies.
- Provide weekly recovery reports to Management showing portfolio movement, recoveries achieved, escalations, legal cases, blocked accounts, key risks, and next actions.
Requirements
Requirements
- Bachelor of Laws (LL.B) and B.L, with admission to the Nigerian Bar.
- 5–8 years of post-call experience, with significant exposure to debt recovery, commercial litigation, banking, lending, fintech, or financial services.
- Strong experience handling debt recovery, loan enforcement, commercial disputes, settlements, and litigation.
- Demonstrable track record of recovering significant delinquent or difficult debt portfolios.
- Strong understanding of Nigerian lending, credit, contract, insolvency, enforcement, and consumer-protection frameworks.
- Experience managing external counsel, recovery agencies, field recovery teams, and other third-party recovery partners.
- Strong negotiation skills with the ability to handle difficult debtors and complex settlement discussions.
- Commercial mindset with a strong understanding of the relationship between legal action, recovery probability, cost, and business outcomes.
- Ability to prioritize recovery cases based on value, urgency, enforceability, and probability of recovery.
- Strong analytical and investigative skills, with the ability to interpret customer and portfolio data to guide recovery action.
- Excellent drafting skills across demand notices, settlement agreements, legal correspondence, briefs, and other recovery documentation.
- Strong stakeholder-management skills and the confidence to work directly with senior management.
- Highly accountable, target-driven, persistent, and comfortable working in a fast-paced, high-pressure environment.
- Strong ethics and judgment, with the ability to pursue recovery firmly while maintaining legal, regulatory, and reputational standards.
How to Apply
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The Thrive Team wishes you the very best.
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