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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in collections and recoveries strategy, including portfolio monitoring, risk assessment, and customer treatment aligned with regulatory requirements. Proven leadership in managing complex restructures and driving operational improvements through data analytics and automation.
Highest-signal resume keywords
Collections Strategy DevelopmentComplex Restructuring ManagementData Analytics and AutomationPortfolio Monitoring and Risk AssessmentLeadership in Change Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Collections ManagementCredit Risk AssessmentArrears ManagementNegotiation SkillsCollateral AssessmentInsolvency ProceduresPerformance TestingSegmentation DesignForecasting TechniquesLegal Recovery Pathways
Soft Skills
Influencing Senior LeadersBuilding PartnershipsCoaching and DevelopmentCommercial JudgementCommitment to Customer Treatment
Tools & Technologies
Modern Collections PlatformsAutomation ToolsDecision ToolsDigital Engagement SolutionsAnalytics Dashboards
Industry Keywords
Regulatory ComplianceRisk Appetite ManagementGovernance FrameworkThird-Party Collections OversightCustomer Conduct Standards
About the role
Key responsibilities & impact- Lead and maintain the collections and recoveries strategy, standards and governance framework across the portfolio
- Align activity with customer treatment expectations, regulatory requirements, risk appetite, portfolio objectives and business priorities
- Monitor portfolio performance and establish early-warning indicators, dashboards and governance routines
- Lead forecasting of risk costs and non-performing loans with data analytics teams
- Design, test and optimise insight-led collections campaigns across arrears stages, products and customer segments
- Set recovery approaches covering collateral realisation, legal strategy, settlements, debt sale considerations and post-write-off activity
- Provide senior leadership for complex restructures, turnarounds, workouts, defaults and high-risk recovery situations
- Oversee external agencies, legal providers, remarketing partners and other service providers against approved standards
- Drive modern collections platforms, automation, analytics, decision tools, digital engagement and workflow capability
- Provide clear, timely reporting to senior management, risk forums and governance committees
- Lead, coach and develop the collections and recoveries team
- Build strong partnerships across risk, underwriting, legal, operations, finance, compliance, product, local markets and the Group Collections and Recoveries team in the Netherlands
Requirements
What you’ll need- Deep experience in collections, recoveries or credit risk, including portfolio monitoring, arrears management and loss minimisation
- Strong capability in complex restructuring, turnaround management, negotiation, collateral assessment, insolvency and legal recovery pathways
- Ability to assess customer viability, financial position, security, cash flow, repayment capacity, legal options and conduct considerations
- Understanding of customer conduct, regulatory obligations, collections governance and risk appetite management
- Experience designing segmentation, treatment paths, contact strategies and performance testing
- Ability to translate portfolio insights into recommendations for underwriting, portfolio management, provisioning and forecasting
- Experience overseeing third-party collections, legal or recoveries providers
- Strong data, analytics and automation mindset
- Leadership experience through change, capability uplift and operational improvement
- Ability to influence senior leaders, governance forums, local markets and cross-functional partners across jurisdictions
- Commercial judgement and a commitment to fair, transparent and professional customer treatment
Benefits
Comp & perks- Flexible and hybrid working
- Two working days to contribute to charities and your community
- Health, wellness and financial programs
- Industry-leading holiday package
- Training, mentorship, tuition reimbursement and career development programs
- Competitive pay
- Generous benefits, health and wellbeing support
- Hybrid working flexibility
- Development opportunities across departments, businesses and regions
- Inclusive, barrier-free recruitment and selection processes
- Accommodation during the hiring process if required