Asst. Manager Risk & Recovery

About Katsu

• Manage assigned delinquent accounts and implement structured recovery plans.
  
• Conduct borrower reassessments and recommend restructuring where viable.
  
• Negotiate repayment arrangements while protecting the bank’s interest.
  
• Escalate accounts for legal action where necessary.
  

• Monitor loan portfolio performance, including PAR, NPL, and concentration risks.
  
• Identify early warning signals and escalate emerging risks.
  
• Support periodic portfolio stress reviews and risk assessments.
  
• Ensure compliance with credit risk policies and approval conditions.
  

• Strong working knowledge of litigation processes related to loan recovery and delinquent accounts.
  
• Demonstrated experience in managing collateral assets, including documentation, valuation, perfection, and enforcement.
  
• Good understanding of court procedures and legal frameworks governing debt recovery.
  
• Proven familiarity with end -to -end collections processes, including recovery strategies, escalation, and resolution.
  
• Ability to effectively coordinate with external legal counsel, recovery agents, and asset tracking firms to drive timely recoveries.
  

• Recommend improvements to risk monitoring and recovery processes.
  
• Support implementation of stronger internal controls to reduce future delinquencies.
  
• Provide feedback to Credit and Underwriting teams on recurring risk patterns.
  
  

• Prepare periodic risk and recovery performance reports.
  
• Maintain updated risk registers and recovery trackers.
  
• Ensure accurate documentation of recovery actions and restructuring approvals.
  

• Ensure adherence to CBN prudential guidelines and MFB regulatory requirements.
  
• Support regulatory examinations, internal audits, and compliance reviews.
  
• Monitor provisioning classifications and ensure proper loan categorization.
  

• Work closely with Credit, Operations, Finance, and Legal teams.
  
• Support risk awareness initiatives across business units.
  
• Maintain professional and firm engagement with customers during recovery processes.
  

Requirements

• Bachelor’s degree in Finance, Business, Accounting, Economics, Business Administration or related field.
  
• 5+ years of experience in risk management, credit analysis, or recovery within banking, microfinance or OFIs.
  
• Strong understanding of CBN prudential guidelines and MFB risk management requirements.
  
• Understanding of IFRS9 model.
  
• Experience handling SME, retail, or microcredit portfolios.
  
• Experience handling legal escalations, repossessions, and third -party recovery agents.
  
• Evidence of achieving low delinquency and improved portfolio quality.
  
• Strong Loan restructuring and negotiation skills.
  
• Deep understanding of credit risk and portfolio dynamics.
  
• Strong field recovery coordination and customer engagement experience.
  
• Ability to manage difficult customers professionally.
  
• Process -oriented and documentation -focused.
  

• Motivated
  by the mission of Katsu
  
• Pragmatic
  with quantitative and analytical ability and attention to detail
  
• Strong ownership of portfolio quality
  
• Objective, data -driven decision -making
  
• High integrity and ethical conduct
  
• Execution discipline and persistence
  
• Strong interpersonal skills and customer empathy
  
• Collaborative but firm control mindset.
  

• Prescreening
  with the Talent team
  
• Interviews
  and Case Assessments with the Hiring team.
  
• Follow
  up interviews with Katsu Leadership team.
  
• Hiring Decision
  

Benefits