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    What We Do

    Full-spectrum debt recovery, built for Nigerian lenders.

    From the first phone call to final legal enforcement — and every step of asset verification, recovery, and resale in between — we deploy the right channel for every case, ethically and at scale.

    📞 Tele-Collections 🚗 Field Recovery ⚖️ Legal Recovery 🤝 Customer Support 📊 Portfolio Analytics 💳 Repayment Portal 🔎 Asset Tracing 📜 Title & Due Diligence 🏚️ Asset Management 🧭 Recovery Strategy
    01 / 10
    📞
    Remote Recovery

    Tele-Collections

    Structured remote debt recovery using targeted call campaigns, behavioural scripting, and multi-touch SMS/digital sequences tailored to each debtor's repayment capacity.

    ✓
    Trained call agents using CBN-compliant scripts
    ✓
    SMS, WhatsApp, and email reminder sequences
    ✓
    Real-time call recording and quality assurance
    ✓
    Flexible payment plan negotiation in-call
    Best for: Early-stage delinquency, 0–60 days past due
    02 / 10
    🚗
    In-Person Engagement

    Field Recovery

    Licensed field agents deployed across all 36 Nigerian states for verified in-person engagement, debt negotiation, and compliant asset tracing when required.

    ✓
    120+ trained field agents nationwide
    ✓
    GPS-verified visit confirmation and reporting
    ✓
    Strict code of conduct — no harassment, ever
    ✓
    Asset verification for secured lending products
    Best for: Mid-stage delinquency, 60–120 days past due
    04 / 10
    🤝
    Brand Protection

    Customer Support

    Outsourced customer support teams that manage delinquency communication, enquiries, and complaints while actively preserving your brand's relationship with borrowers.

    ✓
    Dedicated support lines under your brand name
    ✓
    Complaint resolution and escalation handling
    ✓
    CSAT tracking and monthly reporting
    ✓
    Multilingual agents covering major Nigerian languages
    Best for: Lenders wanting to outsource full customer lifecycle support
    05 / 10
    📊
    Data & Insights

    Portfolio Analytics

    Real-time dashboards and field intelligence reports that reveal delinquency patterns, debtor behaviour clusters, and opportunities to improve your credit underwriting models.

    ✓
    Live recovery dashboard with portfolio-level KPIs
    ✓
    Debtor segmentation and risk clustering
    ✓
    Monthly insight reports for underwriting teams
    ✓
    API access for integration with your internal systems
    Best for: Risk and credit teams refining lending criteria
    06 / 10
    💳
    Self-Service Fintech

    Repayment Portal

    A white-label, mobile-first repayment portal your borrowers can use to self-service outstanding balances, set up structured payment plans, and upload supporting documents.

    ✓
    White-labeled under your brand, no DebtRecovery.ng branding
    ✓
    Paystack and Flutterwave payment integration
    ✓
    Self-service payment plan setup
    ✓
    Document upload for dispute resolution
    Best for: Lenders wanting a dignified, digital-first repayment experience
    07 / 10
    🔎
    Locate & Verify

    Asset Tracing

    Specialist investigation to locate collateral, vehicles, property, and other recoverable assets tied to a delinquent loan — giving you a clear, verified picture before any recovery action is taken.

    ✓
    Vehicle, property, and movable-asset location services
    ✓
    Verified ownership and registration checks
    ✓
    Field-confirmed asset condition reporting with photos
    ✓
    Coordinated handoff into legal or field recovery channels
    Best for: Secured loans where collateral location or status is uncertain
    08 / 10
    📜
    Legal Verification

    Title Perfection & Due Diligence

    Thorough legal verification of collateral titles and ownership documents — closing the gaps that stall enforcement and protecting your security interest from day one.

    ✓
    Title search and authentication at land registries
    ✓
    Encumbrance and prior-lien checks before disbursement
    ✓
    Title perfection and registration follow-through
    ✓
    Due diligence reporting for credit committee review
    Best for: Secured lending teams protecting collateral before and during the loan lifecycle
    09 / 10
    🏚️
    Repossession to Resale

    Asset Management

    End-to-end handling of repossessed and recovered assets — secure storage, professional valuation, and structured disposal or resale to convert recovered collateral into real returns.

    ✓
    Secure storage and custody of repossessed assets
    ✓
    Independent valuation before disposal
    ✓
    Structured resale through vetted channels
    ✓
    Full proceeds reconciliation and reporting
    Best for: Lenders holding repossessed vehicles, equipment, or property
    10 / 10
    🧭
    End-to-End Advisory

    Debt Recovery Strategy

    For lenders who want more than a vendor — we design the full recovery strategy across your portfolio, sequencing every channel above into one coordinated plan tailored to your loan book.

    ✓
    Portfolio-wide recovery strategy design
    ✓
    Channel sequencing — tele, field, legal, asset-based
    ✓
    Ongoing strategy review against recovery performance
    ✓
    Direct advisory access to our senior recovery team
    Best for: Institutions seeking a long-term recovery partner, not a one-off vendor
    FAQ

    Common questions

    How quickly can recovery start after I submit a portfolio?
    +
    Most portfolios are activated within 48 hours of handoff. Our team segments debtors by risk profile and assigns the appropriate recovery channel — tele-collections, field, or legal — before any contact is made.
    Is your recovery process compliant with CBN and NDPR regulations?
    +
    Yes. Every call script, field visit protocol, and data handling process is designed around CBN consumer protection guidelines and NDPR data privacy requirements. Our legal team reviews compliance quarterly.
    What size portfolios do you work with?
    +
    We work with portfolios ranging from a few million naira up to multi-billion naira NPL books. Our largest single engagement to date involved a ₦2.4 billion portfolio resolved over 90 days.
    How does pricing work?
    +
    We typically work on a contingency basis — a percentage of amounts actually recovered — so there's no upfront cost to engage us. Pricing varies by portfolio age, size, and recovery channel mix. Submit an enquiry for a tailored quote.
    Can the repayment portal be white-labeled under our brand?
    +
    Yes — the self-service repayment portal can be fully white-labeled with your branding, domain, and color scheme, so your borrowers never see DebtRecovery.ng directly.
    Do you only serve banks, or also fintechs and microfinance institutions?
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    We work with commercial banks, microfinance institutions, digital lenders, and fintech platforms alike. Our recovery strategies are adapted to each client's borrower base and loan product type.
    Can you trace and verify collateral before we approve a loan, not just after default?
    +
    Yes. Asset tracing and title due diligence are available both pre-disbursement, to protect your security interest from day one, and post-default, to support recovery. Many clients use both proactively as part of their underwriting process.
    What happens to assets after repossession?
    +
    Repossessed assets are securely stored, independently valued, and disposed of through vetted resale channels. You receive full proceeds reconciliation and reporting throughout, with no asset left unaccounted for.
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