Company Profile

Advans is a leading microfinance group established in 2005. Advans mission is to respond to the need for financial services of small businesses and other populations who have ill-adapted, limited or no access to formal financial services. The Advans Group currently spans nine countries: Cambodia, Cameroon, Ghana, the Democratic Republic of Congo, Côte d’Ivoire, Pakistan, Nigeria, Tunisia and Myanmar. As at end October 2019, the group served more than 1,000,000 clients and employed more than 7,300 staff. Headquartered in Luxembourg with support services in Paris, the group’s shareholders are EIB, KfW, FMO, CDC Group plc, FISEA (AFD Group) and IFC.

Advans Ghana, subsidiary of the international microfinance group Advans, started its activities in 2008. The institution offers a full range of adapted financial products and services to micro, small and medium sized enterprises in Ghana. The institution serves more than 64,000 clients through a network of 20 points of sale and over 650 employees.

Job Description

• To meet agreed performance targets and provide a quality service with a high level of Customer Care. To develop and operate effective working practices that promotes the smooth running of the Unit. 
• To be prepared to visit debtors to prompt payment and personally serve Demand Notices to debtors while adhering to Advans Ghana policies and procedures.
• To develop and maintain a working knowledge of policies, procedures and guidance and to work with them. And be able to keep abreast of changes in legislature, national and local trends.
• Must be able to investigate and locate absconded clients and recover any amount due.
• To liaise directly with relevant external agencies, Police, Valuators, Auctioneers, Lawyers.
• To identify risk and prevent fraudulent application by other team members as well as clients. And must be able to give advice on major risk issues on the market for implementation.
• To ensure cash collection on payment control is administered in line with Audit requirements.
• To take part in Performance Management reviews with the team leader to ensure that individual targets are achieved to support the aims and objectives contained in the service plan
• To promote and apply the standard and principles of Advans Ghana and manage resources ensuring that the delivery of services continue to be cost effective.
• To undertake other relevant duties that may be required.

• Poor addressing system which impedes the search for location of clients and guarantors.
• Delay in court processes which tend to affect recoveries of bad debt.

Required Skills or Experience

• Minimum required education level:
• At least an HND, Bachelor’s Degree and other professional qualifications. 
• Specific training required : Credit Management
• Required experience (work field and number of years)
• A minimum of one (1) year work experience in Banking/Micro Finance and specifically Debt Recoveries in a financial institution