Ekat Augustine

I am a results-driven debt recovery analyst with over 6+ years of expertise in non-performing loan (NPL) optimization, financial reconciliation, and portfolio risk management. Proven track record of managing over ₦200M+ loan portfolios, recovering over ₦45M+ in delinquent assets, and reducing Portfolio-at-Risk (PAR) metrics by 18%.

Advanced

Excel to track recovery performance, resolve discrepancies, and engineer data-backed collection strategies.

RECOVERY ANALYST at Motion Yield Limited (2022 – 2026)

• Reviewed comprehensive legal and financial documentation (contracts, loan agreements) to assess liability, identify contract discrepancies, and judge debt recoverability.
• Managed end-to-end debt recovery lifecycles for delinquent portfolios, contacting client debtors via multi-channel communications (telephone, letter, email) to negotiate and secure viable debt recovery plans.
• Leveraged advanced financial data analysis and negotiation skills to establish customized, realistic repayment schedules, continuously monitoring debtor adherence to installment terms.
• Maintained granular operational statistics and generated regular recovery performance reports for executive stakeholders and partner review.
• Conducted strategic on-site visits to debtor premises to engage key decision-makers and resolve complex default cases.
• Contributed high-value business development ideas and portfolio risk strategies directly to the Managing Partner.

RECOVERY OFFICER at GTI House (2020 – 2021)

• Executed aggressive collection strategies targeting bad debts to systematically reduce the bank's non-performing loans (NPLs) and Portfolio at Risk (PAR).
• Collaborated closely with loan and account officers to execute targeted debtor outreach, reducing delinquency rates through daily monitoring of loan portfolios.
• Designed customized case-by-case recovery and restructuring plans, advising management on optimal loan restructuring or legal foreclosure routes.
• Maintained accurate, up-to-date customer account records and delivered daily recovery progress reports to executive management.
• Verified prospective borrower addresses and financial credentials to assess client creditworthiness and mitigate future default risk.

RECOVERY SPECIALIST at JV Collections & Tracking Agency Limited (2018 – 2020)

• Executed systematic outreach across delinquent accounts to agree upon structured debt recovery and settlement plans.
• Evaluated contract terms and financial records to assess legal liabilities and establish clear recovery pathways.
• Monitored ongoing repayment plans, ensuring strict adherence to installment schedules and updating account statuses across database systems.
• Provided transparent, ongoing reporting and communication to corporate clients regarding portfolio recovery metrics.

SALES EXECUTIVE / LOAN OFFICER at Letshego Microfinance Bank (2016 – 2018)

• Marketed consumer microloans and financial services, attracting new high-value customers and managing robust client relationships.
• Conducted rigorous financial analysis on potential borrowers, calculating Debt Service Ratios (DSR) to evaluate repayment capacity prior to loan disbursement.
• Ensured adherence to institutional lending standards, policies, and regulatory frameworks while maintaining strict client confidentiality.
• Managed loan lifecycles from application processing and 24-hour Turnaround Time (TAT) disbursement to monitoring, repayment collection, and risk management.

Bachelor of Science (B.Sc.) in Microbiology – University of Calabar, Nigeria (2012-12)