Head of Collections & Debt Management Job HF Group
Banking Jobs, HF Group Jobs.
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Principle Accountabilities
Strategy & Leadership
- Define and execute collections and debt management strategies across Retail, Business and Commercial Banking segments.
- Lead and develop multi-segment Collections Teams, including Early, Mid and Late-Stage recovery units.
- Establish segment-specific KPIs, recovery targets and governance frameworks aligned with the Bank’s risk appetite.
Collections & Recovery Management
- Oversee delinquency management, recoveries, restructurings, settlements, and write-off recommendations across all segments.
- Manage high-value and complex commercial accounts, including restructuring and legal recovery actions.
- Oversee and govern outsourced collection agencies, law firms and recovery vendors.
Risk, Compliance & Governance
- Ensure compliance with regulatory requirements, internal credit policies and fair customer treatment standards.
- Monitor and report portfolio performance, including NPLs, roll rates, cure rates and recovery trends by segment.
- Present portfolio insights, risk escalations, and recovery strategies to senior management and board committees.
Process Improvement & Analytics
- Drive improvements in collections processes, systems, and analytics, including segmentation and behavioral scoring.
- Partner with Credit, Legal, Finance, Operations, and Business teams to improve early warning mechanisms and reduce future delinquencies.
- Support portfolio reviews, stress testing, and provisioning inputs.
Stakeholder Management
- Act as the escalation authority for sensitive, high-risk, or high-value delinquent accounts.
- Liaise with regulators, auditors, and internal governance forums as required.
Key Competencies and Skills
- Strong leadership and people management skills.
- Sound credit judgment and negotiation skills.
- Excellent analytical and decision-making ability.
- Strong knowledge of legal recovery and asset realization.
- High ethical standards and customer-centric mindset.
- Excellent communication and stakeholder management skills.
Minimum Qualifications, Knowledge and Experience
- Bachelor’s in finance, Accounting, Economics, or related field
- CPA, ACCA, CFA, or Credit Management certification preferred
- Minimum 8–10 years’ experience in banking, with at least 5 years in Collections, Recoveries or Credit Risk management.
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