Credit Control and Debt Management

Credit Control & Debt Management – Complete Edition is a practical, CBN-aligned handbook written specifically for Nigerian Microfinance Banks (MFBs) and credit professionals.

Authored by Osaigbovo Edomwonyi (Credit Risk Practitioner & Founder, Jopedom Advisory), this 12-chapter guide covers the entire credit lifecycle from policy design and origination standards to advanced debt collection strategies, restructuring, legal recovery, collateral enforcement, write-offs and KPI dashboards.

Designed for Nigeria’s informal economy, it provides ready-to-use frameworks, templates, checklists, and collection scripts that help institutions dramatically reduce NPL ratios, meet CBN requirements, and recover more money faster.

Whether you’re a Head of Credit, Collections Manager, or Managing Director, this book gives you immediately actionable tools to strengthen your credit control function and protect your institution’s capital.