Ogbebor Vicky

Results-driven Loan Recovery Officer with over 4 years of hands-on experience in managing non-performing loans, portfolio monitoring, and delinquent account resolution within the financial services sector. Proven track record in conducting field visits, negotiating realistic payment arrangements, and maintaining high Promise-to-Pay (PTP) kept ratios. Skilled in utilizing core banking systems, tracking loan ageing reports, and applying ethical recovery strategies to lower Portfolio at Risk (PAR) while upholding compliance, confidentiality, and regulatory standards.

Area Loan Recovery Officer - LAPO Microfinance Bank Limited - Ibadan, Oyo State

(2022-01)

• Monitor loan ageing, delinquency and portfolio performance across assigned branches within the state, identifying high-risk and non-performing accounts requiring immediate intervention.
• Drive reduction in Portfolio at Risk (PAR) through early identification of emerging delinquencies, proactive customer engagement and effective post-disbursement monitoring.
• Implement targeted recovery strategies for overdue and non-performing accounts, prioritizing high-value and high-risk exposures to maximize recovery outcomes.
• Conduct targeted field visits to customers' business premises and residences, particularly for unresolved and high-risk accounts, to facilitate recovery and validate business and customer information.
• Engage delinquent customers, negotiate realistic repayment arrangements, secure payment commitments and monitor adherence to agreed repayment plans.
• Collaborate with Branch Managers and Relationship Officers across the area to monitor recovery activities, address delinquency challenges and improve branch-level collection performance.
• Coordinate approved collateral and asset recovery activities for severely delinquent accounts, ensuring proper documentation and adherence to established procedures.
• Review significant loan defaults to determine underlying causes, identify early warning indicators and recommend appropriate recovery or escalation actions.
• Maintain accurate records of recovery activities, customer commitments and repayments; consolidate branch-level data and prepare daily, weekly and monthly recovery performance reports for management.
• Monitor recovery targets and performance across assigned branches, identify performance gaps and recommend corrective actions to improve overall area recovery results.
• Work closely with Credit, Risk, Operations, Internal Control, Legal and Branch teams to resolve delinquent exposures and strengthen portfolio quality.
• Ensure all recovery activities are conducted professionally and in compliance with approved policies, procedures and applicable regulatory requirements.

Loan Recovery Officer (Branch) - LAPO Microfinance Bank Limited - Ado Ekiti, Ekiti State

(2021-12 - 2022-12)

• Contacted delinquent borrowers via calls, emails, and direct visits to negotiate structured, realistic repayment plans and settlements within company policies.
• Monitored daily Promise-to-Pay (PTP) commitments, taking immediate follow-up action on broken promises to secure payment recovery.
• Handled sensitive cases involving customers in financial distress with professionalism, resolving disputes while maintaining compliance with customer protection standards.
• Support the tracing and resolution of unresponsive, absconding and difficult-to-recover accounts using available customer and business information.
• Identify severely delinquent accounts requiring escalation and support the legal recovery process in line with approved policies and procedures.

Higher National Diploma (HND) - Microbiology - Auchi Polytechnic (2019)

National Diploma (OND) - Science Laboratory Technology - Auchi Polytechnic (2015)