Turn NPLs into recoveries. Turn recoveries into liquidity.
The Experts NPL Reduction Programme: a five-stage, performance-driven partnership that complements your Credit, Risk and Recovery teams and protects the balance sheet.
Five stages from diagnosis to recovered cash.
Recovery first. Litigation where necessary. The institution retains control; Experts Consult provides specialist recovery capacity.
Portfolio Diagnostic
Review and segment delinquent accounts into Recoverable, Restructurable, Enforcement-ready, Asset-backed and Difficult/Legacy categories.
Rapid Recovery
Immediate debtor engagement, demand and negotiation, settlement arrangements, repayment proposals, guarantor engagement, asset verification, skip tracing and intensive follow-up.
Restructuring & Settlement
Commercially reasonable settlement or restructuring recommendations for viable borrowers, always subject to the client's prior approval.
Legal Recovery & Enforcement
Escalate suitable matters through lawful legal processes and move existing judgments from order to enforcement and recovery.
Reporting & Portfolio Intelligence
Structured reporting on amount assigned, cash recovered, balance, status, action taken, next action and expected recovery.
The 90-Day NPL Recovery Accelerator.
Start with a pilot portfolio. Agree the KPIs. Test our performance over 90 days. Expand based on demonstrated results.
- Days 1–15Portfolio onboarding, verification, debtor classification and recovery strategy.
- Days 16–30Intensive debtor engagement, negotiations and settlement discussions.
- Days 31–60Recovery, restructuring recommendations and escalation of difficult accounts.
- Days 61–90Aggressive follow-up, enforcement recommendations and portfolio performance review.
Performance-driven fee schedule
Commission applies only when recovery succeeds, at the pre-legal (no legal intervention) or legal stage.
| Amount recovered | Pre-legal | Legal |
|---|---|---|
| Above GHS 10,000,000 | 8% | 10% |
| GHS 5,000,000 – 9,999,999 | 10% | 13% |
| GHS 1,000,000 – 4,999,999 | 10% | 15% |
| GHS 500,000 – 999,999 | 12% | 18% |
| Below GHS 500,000 | 15% | 20% |
When our client succeeds, Experts Consult succeeds.
Why outsource NPL recovery?
- Increase recovery capacity without significantly increasing permanent staff
- Attack legacy NPL portfolios aggressively
- Introduce specialist recovery expertise
- Separate difficult debtor negotiations from normal customer-facing operations
- Improve recovery accountability
- Reduce the cost of prolonged internal recovery
- Accelerate conversion of distressed assets into cash
- Allow management and credit teams to focus on core banking activities