Senior Debt Recovery and Credit Risk Professional with over 4+ years of progressive experience in loan recovery, portfolio management, and credit risk mitigation within the microfinance and lending sector. Proven expertise in reducing delinquency ratios, leading recovery teams, restructuring distressed facilities, and implementing strategic collection frameworks that improve portfolio quality and cash flow. Recognized for driving strong recovery performance, strengthening credit monitoring systems, and ensuring regulatory compliance. Adept at managing high-value loan portfolios, negotiating repayment structures, and developing recovery strategies that minimize non-performing loans (NPLs).
Hi, I’m
Joseph Nwafor
Debt Recovery Manager
Abuja,FCT
Summary
Overview
6
years of professional experience
3
Certifications
Work History
Rimworld Capital LimitedAbuja, FCT
Debt Recovery Manager
12.2023 - 04.2026
Job overview
- Lead strategic recovery initiatives for delinquent and non-performing loan portfolios.
- Supervise recovery officers and coordinate field recovery activities.
- Negotiate loan restructuring and settlement plans with distressed borrowers.
- Conduct portfolio analysis to identify high-risk accounts and implement early intervention.
- Prepare management reports on recovery performance and delinquency trends.
- Drive improved repayment compliance through client engagement and monitoring.
Mutual Trust Microfinance Bank LtdAbuja, FCT
Debt Recovery Officer
02.2022 - 12.2023
Job overview
- Managed recovery of delinquent loan accounts through structured follow-ups and field visits.
- Monitored repayment performance and identified early warning signals of default.
- Collaborated with credit teams to implement recovery strategies for high-risk accounts.
- Facilitated loan restructuring arrangements to improve repayment outcomes.
- Prepared weekly recovery reports and maintained accurate records of overdue accounts.
Mutual Trust Microfinance Bank LtdAbuja, FCT
Relationship Manager
10.2020 - 01.2022
Job overview
- Developed and managed strong customer relationships to support loan growth.
- Marketed financial products and originated loan and savings accounts.
- Conducted client credit assessments and provided financial advisory services.
- Contributed to business growth through customer acquisition and portfolio expansion.
Education
University of AbujaNigeria
B.Sc. from Biological Sciences
01-2019
University Overview
GPA: Second Class Upper
Immaculate international SchoolKaduna, Nigeria
WASSC
01-2014
University Overview
Skills
- Debt Recovery Strategy
- Loan Portfolio Management
- Non-Performing Loan (NPL) Resolution
- Credit Risk Assessment
- Recovery Operations Leadership
- Loan Restructuring & Settlement Negotiation
- Delinquency Management
- Collections Process Optimization
- Regulatory Compliance
- Client Relationship Management
- Team Leadership
- Financial Reporting & Portfolio Analytics
Mentoring and coaching
Profit and Loss Analysis
Financial reporting
Certification
Member, Chartered Institute of Bankers of Nigeria (MCIB), 2025
Timeline
Debt Recovery Manager
Rimworld Capital Limited
12.2023 - 04.2026
Debt Recovery Officer
Mutual Trust Microfinance Bank Ltd
02.2022 - 12.2023
Relationship Manager
Mutual Trust Microfinance Bank Ltd
10.2020 - 01.2022
University of Abuja
B.Sc. from Biological Sciences
Immaculate international School
WASSC