Hi, I’m
Tebogo Seja Masango
Legal Recoveries Officer
Olifantsfontein
Summary
Legal Recovery Officer with extensive experience exceeding 15 years in debt recovery across diverse industries such as retail banking and telecommunications. Skilled in high-value portfolio management, settlement negotiations, and regulatory compliance. Expertise in stakeholder engagement and dispute resolution, with a focus on implementing recovery strategies that reduce risk and enhance collections. Proven ability to meet recovery targets and provide team leadership in challenging situations.
Overview
27
years of professional experience
6
Languages
Work History
Nedbank Retail Business Banking
Legal Recoveries Officer
11.2022 - 11.2024
Job overview
- Request documents such as account opening records, Sec129 notices, security documents, credit agreements, and overdraft facility letters.
- Verify attorney and debt collector invoices for tracing, collection, legal milestones, and property services.
- Manage attorney queries regarding payments and reconciliations.
- Action administration tasks related to account closures.
- Request and update home loan valuations on properties for sale.
- Attend to account write-offs where applicable.
- Arrange payment plans and negotiate settlements with clients.
- Handover accounts to attorneys and external collectors for legal action.
- Identify and process write-offs.
- Liaise with internal and external stakeholders to resolve recovery issues efficiently.
- Skills: Legal recoveries, debt collection, settlements negotiation, stakeholder management, compliance, invoice verification, portfolio management, reporting, reconciliation, SAP
Nedbank Retail Business Banking
Legal Recoveries Officer
11.2022 - 11.2024
Job overview
- Request documents such as account opening records, Sec129 notices, security documents, credit agreements, and overdraft facility letters.
- Verify attorney and debt collector invoices for tracing, collection, legal milestones, and property services.
- Manage attorney queries regarding payments and reconciliations.
- Action administration tasks related to account closures.
- Request and update home loan valuations on properties for sale.
- Attend to account write-offs where applicable.
- Arrange payment plans and negotiate settlements with clients.
- Handover accounts to attorneys and external collectors for legal action.
- Identify and process write-offs.
- Liaise with internal and external stakeholders to resolve recovery issues efficiently.
- Skills: Legal recoveries, debt collection, settlements negotiation, stakeholder management, compliance, invoice verification, portfolio management, reporting, reconciliation, SAP
BMW Financial Services
Legal Recoveries Consultant (Contract)
09.2020 - 04.2021
Job overview
- Achieved monthly monetary recovery targets on legal portfolios.
- Resolved customer and supplier queries within required timeframes.
- Monitored and managed vehicle recovery matters within 48 hours.
- Handled insolvent, sequestration, and deceased estates processes.
- Managed external debt collectors and attorneys.
- Skills: Debt recovery, compliance, customer queries, legal accounts management, reporting, vehicle recovery, supplier management, reconciliation, settlements, portfolio control
BMW Financial Services
Legal Recoveries Consultant (Contract)
09.2020 - 04.2021
Job overview
- Achieved monthly monetary recovery targets on legal portfolios.
- Resolved customer and supplier queries within required timeframes.
- Monitored and managed vehicle recovery matters within 48 hours.
- Handled insolvent, sequestration, and deceased estates processes.
- Managed external debt collectors and attorneys.
- Skills: Debt recovery, compliance, customer queries, legal accounts management, reporting, vehicle recovery, supplier management, reconciliation, settlements, portfolio control
Iemas Financial Services
Senior Legal Collection Agent
01.2015 - 08.2019
Job overview
- Handover cases to debt collectors and attorneys.
- Managed attorney and collector portfolios.
- Processed write-offs and settlements.
- Handled client and collector queries.
- Prepared settlement letters, journals, and certificates of balance.
- Liaised with valuators, tracers, and sheriffs.
- Skills: Legal collections, debt management, settlements, credit journals, legal documentation, client liaison, reconciliation, stakeholder management, compliance, negotiation
Iemas Financial Services
Senior Legal Collection Agent
01.2015 - 08.2019
Job overview
- Handover cases to debt collectors and attorneys.
- Managed attorney and collector portfolios.
- Processed write-offs and settlements.
- Handled client and collector queries.
- Prepared settlement letters, journals, and certificates of balance.
- Liaised with valuators, tracers, and sheriffs.
- Skills: Legal collections, debt management, settlements, credit journals, legal documentation, client liaison, reconciliation, stakeholder management, compliance, negotiation
Nashua Mobile
Senior Credit Controller
01.2012 - 11.2014
Job overview
- Performed extensive account reconciliations.
- Collected arrears via telephonic and client visits.
- Issued invoices, processed credit notes, and suspended arrears accounts.
- Identified legal accounts for handover.
- Skills: Credit control, reconciliation, debt collection, arrears management, client relations, invoicing, reporting, compliance, accounts monitoring, collections strategy
Nashua Mobile
Senior Credit Controller
01.2012 - 11.2014
Job overview
- Performed extensive account reconciliations.
- Collected arrears via telephonic and client visits.
- Issued invoices, processed credit notes, and suspended arrears accounts.
- Identified legal accounts for handover.
- Skills: Credit control, reconciliation, debt collection, arrears management, client relations, invoicing, reporting, compliance, accounts monitoring, collections strategy
WesBank
Senior Specialised Collection Agent
05.2006 - 10.2011
WesBank
Senior Specialised Collection Agent
05.2006 - 10.2011
WesBank
Senior Credit Controller / Legal Credit Controller
05.2001 - 04.2006
WesBank
Senior Credit Controller / Legal Credit Controller
05.2001 - 04.2006
Edson
Debt Collector
01.1999 - 07.1999
Edson
Debt Collector
01.1999 - 07.1999
Eskom
Customer Service Agent
01.1998 - 06.1998
Eskom
Customer Service Agent
01.1998 - 06.1998
Education
Safren Computer School
Basic Competence in Technology Systems
01.1998
Vukani Mawethu Secondary School
Matriculation / Grade 12
01.1996
Skills
Debt recovery and legal compliance
Stakeholder management
Negotiation skills
Risk management and credit control
Customer service excellence
Reporting and analysis
Systems proficiency
Accomplishments
- Received awards for the best customer service, WesBank 2002
- Received awards for the best Collector, WesBank 2003
- Working on specific projects: 90+Accounts that are in arrears Nashua Mobile 2013 to 3014
- Acting as a Regional Manager for a period of a week Iemas financial service 2017
- Increase the revenue and selected the best Collector, Iemas financial services 2017.
- Innovative to the company, Iemas, creating a new format on how to do the Certificate of balance 2015.
- Proposed a resolution for account handover processes to reduce arrears and costs.
- Elected as the deputy chairperson of the diversity forum, Iemas financial services 2017.
Interests
Community involvement
Learning other languages
Reading
Running and physical fitness
Coordinating with other employees
Outdoor activities
Professional Development
- Learning Program on advance Microsoft excel, LinkedIn, 2024
- Time management programmer, 2024
- Compliance training-Ensuring ethical business practices are adhered to and Information protection, 2024
- Certificate in Powerful Proven Debt Collecting Techniques, Credit Blend Management Training Arcskilltechnology, 2019
- Soft skills training programmer, 2018
- Certificate - Bureau suite programme, 2017
- Certificate of Attendance on the Diversity Integration Programme, 2017
- Upskilling training programme for the role of Specialised recovery agent, 2010
- Team training on how to work together as a team to achieve excellent results, 2006, 2024
- Leadership training programmer, 2005
- Mentoring and coaching programmer, 2004
- Orientation and Onboarding training programme, 2001, 2015, 2020
- Debt Collectors Act, 2004
Introduction
A highly motivated Legal Recovery Officer with more than 15 years’ experience in credit control, debt recovery, and legal recoveries across financial services, retail banking, telecommunications, and public sector industries. Proven expertise in managing high-value portfolios, negotiating settlements, liaising with attorneys and debt collectors, and ensuring compliance with regulatory requirements. Skilled in stakeholder engagement, dispute resolution, and implementing recovery strategies to minimize risk and maximize collections. Adept at working under pressure, delivering on recovery targets, and providing leadership within teams.
References
- Mafika Tshabalala, Nedbank, Team Leader, 0839484143
- Bavika Chotalaal, BMW, Team Manager, 0822102485
- Ernest Madiba, Iemas Financial Services, Team Manager, 066 561 3027
- Dumisani Mwatenga, Wesbank, Team Manager, +27 82 850 5227
- Nadine Grant, Nashua Mobile, Team Manager, +27 83 636 5083
References
- Mafika Tshabalala, Nedbank, Team Leader, 0839484143
- Bavika Chotalaal, BMW, Team Manager, 0822102485
- Ernest Madiba, Iemas Financial Services, Team Manager, 066 561 3027
- Dumisani Mwatenga, Wesbank, Team Manager, +27 82 850 5227
- Nadine Grant, Nashua Mobile, Team Manager, +27 83 636 5083
Timeline
Legal Recoveries Officer
Nedbank Retail Business Banking
11.2022 - 11.2024
Legal Recoveries Officer
Nedbank Retail Business Banking
11.2022 - 11.2024
Legal Recoveries Consultant (Contract)
BMW Financial Services
09.2020 - 04.2021
Legal Recoveries Consultant (Contract)
BMW Financial Services
09.2020 - 04.2021
Senior Legal Collection Agent
Iemas Financial Services
01.2015 - 08.2019
Senior Legal Collection Agent
Iemas Financial Services
01.2015 - 08.2019
Senior Credit Controller
Nashua Mobile
01.2012 - 11.2014
Senior Credit Controller
Nashua Mobile
01.2012 - 11.2014
Senior Specialised Collection Agent
WesBank
05.2006 - 10.2011
Senior Specialised Collection Agent
WesBank
05.2006 - 10.2011
Senior Credit Controller / Legal Credit Controller
WesBank
05.2001 - 04.2006
Senior Credit Controller / Legal Credit Controller
WesBank
05.2001 - 04.2006
Debt Collector
Edson
01.1999 - 07.1999
Debt Collector
Edson
01.1999 - 07.1999
Customer Service Agent
Eskom
01.1998 - 06.1998
Customer Service Agent
Eskom
01.1998 - 06.1998
Safren Computer School
Basic Competence in Technology Systems
Vukani Mawethu Secondary School
Matriculation / Grade 12