Background information about the job or company

The FCA Agent is responsible for ensuring monthly loan recovery targets are met through effective follow-ups on defaulted accounts. The role demands resilience, professional communication, and teamwork in executing recovery strategies. They will engage clients through calls, visits, and negotiations while retaining client loyalty and supporting operational insights.

Responsibilities or duties

• Monitor and follow up on assigned defaulted accounts through calls, chats, and face-to-face visits, ensuring all interactions are logged in the system.
• Plan recovery strategies to ensure timely repayment.
• Skip-trace and locate customers, recover loans, or initiate collateral repossession when necessary.
• Negotiate repayment plans while remaining courteous and professional.
• Participate in and support team collection drives.
• Maintain strong customer relationships while enforcing loan recovery.
• Submit daily, weekly, and monthly collection reports.
• Provide actionable market intelligence from branches.
• Maintain strong working relationships with local law enforcement.
• Adhere to recovery policies, procedures, and relevant laws.
• Perform any other duties as assigned by the line manager.

• Monitor and follow up on assigned defaulted accounts through calls, chats, and face-to-face visits, ensuring all interactions are logged in the system.
• Plan recovery strategies to ensure timely repayment.
• Skip-trace and locate customers, recover loans, or initiate collateral repossession when necessary.
• Negotiate repayment plans while remaining courteous and professional.
• Participate in and support team collection drives.
• Maintain strong customer relationships while enforcing loan recovery.
• Submit daily, weekly, and monthly collection reports.
• Provide actionable market intelligence from branches.
• Maintain strong working relationships with local law enforcement.
• Adhere to recovery policies, procedures, and relevant laws.
• Perform any other duties as assigned by the line manager.

• Resilience
• Professional communication
• Teamwork
• Negotiation
• Customer relationship management
• Reporting
• Market intelligence gathering
• Law enforcement liaison
• Adherence to policies and procedures

• Experience in loan recovery or a related field is implied by the responsibilities.