Loan Recovery Unit Officer

Website SATHAPANA Limited Myanmar

Microfinance Institution

Report to : Loan Recovery Unit Manager/Head of Credit Department

Position Summary

The loan recovery unit bears sole responsibility for the management of bad debt accounts including delinquent, non-performing, restructuring, and write-off loans. This unit is under the direct supervision of the Head of Credit.


(1) Credit Risk Management

  • Regularly monitor and evaluate the trends of delinquency and/or NPL and keep management updated on any deteriorations lead to significant loss.
  • Regularly follow up the process of managing clients in arrears and problem resolving of all branches and provide them with appropriate supportive ideas.

 (2) Credit Performance Management

  • Take part in staff capacity development of all credit personnel concerning with delinquency loan management and solving defaults.
  • Ensure that the appropriate actions are taken towards the objectives to fully recover the overdue amounts.
  • Travel to branches to investigate the efficiency of delinquency and/or bad debt accounts management for further supports or recommending any possible solution to management.
  • Constantly improve skills and knowledge to cope with the company’s expansion.

(3) Recruitment Involvement 

  • Help (deputy) Head of Credit department identify staffing needs in the department and for branches.
  • Participate in the process of recruitment and selection of Credit staff.

(4) Reporting and Others

  • Prepare regular reports on status of collections and home/business visits to the responsible overdue loan clients to related line supervisors on monthly, quarterly, and yearly basis.
  • Be willing and ready to contribute and assist where needed
  • Perform other tasks as required by Head of Credit Dept;


(1) Education

  • At least Bachelor’s degree in accounting, finance, banking, or business administration

(2) Language

  • Proficient in Myanmar Language
  • Being able to communicate well in formal English (writing, speaking, and listening)

(3) Practical Experiences and Skills

  • At least two years experience in related field.
  • At least two-year experience of management in any multi-branch company
  • Have a good interpersonal and good Communication skill, result-oriented, negotiation skill with all levels in various situations and strong problem solving skills.
  • Computer Literacy- MS Office, MS outlook and MS Excel.
  • Be Honest, Flexible, hardworking, able to work under pressure, and willing to travel.
  • Be well-organized and a good starter 

(4) Emotional and Physical Demands

  • Good emotional quotient
  • Be self-motivated
  • Good willpower
  • Be healthy and strong
  • Be well-dressed or well-groomed

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