Key Responsibilities Define and execute collections strategy across the full lifecycle Manage end-to-end collections operations Drive performance across key metrics (recoveries, roll rates, productivity) Use data and analytics to improve decision-making and outcomes Manage budgets, forecasts, and cost-to-collect Improve portfolio performance and recovery outcomes Lead digital initiatives (automation, self-service, omnichannel e.g. SMS/Whats App) Build and lead a high‑performing collections team Manage and develop middle management Drive a culture of performance and continuous improvement Ensure compliance and manage key stakeholders Requirements 10+ years’ experience in collections or credit operations Minimum 5 years in a senior leadership role managing managers Strong financial management, analytics, and performance optimisation experience Proven track record of improving collections and recovery performance Experience in digital transformation or automation initiatives Relevant degr...