Asst. Manager Risk & Recovery at Sabi

Job Summary

• We are seeking an Assistant Manager, Risk & Recovery, who will be responsible for supporting enterprise and credit risk monitoring while actively managing delinquent accounts to minimize losses and reduce non-performing loans (NPLs). The role bridges proactive risk identification with structured recovery execution, ensuring compliance with CBN guidelines and internal credit policies.
• This role is critical to maintaining asset quality, strengthening risk culture, and protecting the bank’s financial stability.

What you will be doing

Loan Recovery and Remedial Management

• 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.

Credit and Portfolio Risk Monitoring

• 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.

Collaboration with Legal and Recovery Partners

• 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.

Process and Control Enhancement

• 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.

Risk Reporting and Documentation

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

Regulatory and Policy Compliance

• 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.

Collaboration and Stakeholder Engagement

• 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
Special Skills and Qualifications

• 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.

Candidate Specification

• 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.