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    Proven Results

    Real recoveries.
    Real numbers.

    Every engagement is different. Here are three that show what ethical, data-driven recovery looks like in practice — across different sectors, portfolio sizes, and delinquency stages.

    Commercial Banking Microfinance Digital Lending Asset Recovery
    ₦0
    Total recovered since founding
    0
    Lending institutions served
    0
    Average recovery rate across all active portfolios
    0
    Median time from portfolio handoff to first contact
    Commercial Bank · Lagos

    ₦2.4 Billion NPL Portfolio — Resolved in 90 Days

    A tier-2 commercial bank with a deteriorating retail loan book needed fast, compliant resolution before CBN's NPL threshold triggered regulatory sanctions.

    ₦2.4Bn
    Recovered
    The Challenge
    The bank's NPL ratio had climbed to 8.7% — dangerously close to the CBN's 5% threshold. Previous in-house recovery efforts had yielded less than 12% on the ₦2.4Bn retail portfolio. The bank had 60 days before its next CBN examination and needed visible, documented progress fast.
    Our Approach
    We segmented the 4,200-account portfolio by delinquency stage and repayment capacity. Early-stage accounts (0–60 DPD) were handled via structured tele-collections. Mid-stage (60–120 DPD) received a combination of field visits and formal demand notices. Legal proceedings were initiated only for the 8% of accounts with confirmed repayment capacity but persistent avoidance.
    The Outcome
    ₦2.4Bn recovered across 3,740 accounts within 90 days — an 89% resolution rate. The bank's NPL ratio dropped to 4.2%, clearing the CBN threshold ahead of the examination. Zero formal borrower complaints were lodged with the CBN Consumer Protection Department throughout the engagement.
    89%
    Resolution rate
    90 days
    Time to resolution
    4,200
    Accounts managed
    4.2%
    Final NPL ratio
    0
    CBN complaints lodged
    Digital Lender · Nationwide

    34% NPL Reduction for a High-Volume Fintech in 60 Days

    A fast-growing digital lender with 120,000 active borrowers was experiencing surging defaults across its unsecured consumer loan book — threatening its Series B fundraising round.

    34%
    NPL Reduction
    The Challenge
    Default rates had climbed to 22% across the book, driven by a combination of thin underwriting criteria and an economic downturn. The lender's investors had flagged the NPL ratio as a condition of closing the Series B. Internal recovery was generating a 6% monthly collection rate — well below what was needed to move the needle.
    Our Approach
    We deployed a fully automated tele-collections workflow for accounts under ₦150,000 — using optimised call scripts, WhatsApp nudges, and SMS sequences timed to borrower salary days. For higher-value accounts, dedicated recovery agents were assigned. We also integrated with the lender's core banking system to flag live repayments in real time, eliminating duplicate contacts and improving borrower experience.
    The Outcome
    Within 60 days, the NPL ratio dropped from 22% to 14.5% — a 34% reduction. Monthly collection rates improved from 6% to 19%. Borrower satisfaction scores (measured via post-call IVR surveys) held at 87% positive, which the lender cited in its investor data room. The Series B closed three months later.
    22% → 14.5%
    NPL ratio movement
    60 days
    Engagement period
    19%
    Monthly collection rate
    87%
    Borrower satisfaction
    120k
    Active borrowers managed
    Microfinance Bank · South-South

    Asset Tracing & Recovery for a Secured Loan Book in Port Harcourt

    A microfinance bank in Rivers State held a ₦480M secured loan book backed by vehicles and equipment — most of which could not be located after a wave of defaults in the oil services sector.

    ₦480M
    Portfolio Value
    The Challenge
    92 borrowers across the oil services sector had defaulted on vehicle and equipment-backed loans totalling ₦480M. The collateral — primarily trucks, generators, and fabrication equipment — had been moved, hidden, or transferred without the bank's knowledge. Without finding the assets, the bank had no security to enforce and faced writing off the entire book.
    Our Approach
    Our asset tracing team deployed across Rivers, Bayelsa, and Delta states. Using VIN searches, FRSC records, field intelligence, and coordination with local logistics hubs, we identified the location and condition of 78 of the 92 collateral assets within 45 days. We then coordinated legal repossession orders, independent valuations, and structured resale through vetted buyers — all with full documentation for the bank's audit trail.
    The Outcome
    ₦312M was recovered through asset disposal and direct repayments triggered by the repossession threat. 78 of 92 assets were located. The bank recovered 65% of the impaired portfolio — significantly above the industry average for secured recovery in distressed sectors. Full proceeds reconciliation and audit documentation was delivered within the engagement period.
    ₦312M
    Amount recovered
    65%
    Recovery rate
    78 / 92
    Assets located
    45 days
    Asset tracing period
    3 states
    Field coverage
    What Clients Say

    From the institutions we served

    "

    We handed over a portfolio we'd internally written off as unrecoverable. DebtRecovery.ng brought back ₦2.4 billion in 90 days while maintaining a zero-complaint record with the CBN. That combination — speed and compliance — is genuinely rare in this market.

    AO
    Adaeze Okonkwo
    Head of Credit Risk, Tier-2 Commercial Bank
    "

    Our Series B was conditional on getting the NPL ratio under 16%. DebtRecovery.ng moved it from 22% to 14.5% in 60 days without damaging our borrower relationships — our post-recovery NPS actually went up. I'd recommend them to any fintech serious about sustainable growth.

    BF
    Babatunde Fashola
    CFO, Digital Lending Platform
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