Our client, a registered Non-Bank Financial Institution is looking to hire a strategic, data-driven and highly experienced Head of Collections and Recoveries. This role provides leadership in optimizing portfolio performance, strengthening recoveries processes, and driving sustainable credit risk management across the business.

Key Responsibilities

• Develop and execute a comprehensive collections and recoveries strategy aligned to overall business objectives.
• Ensure full cascading of strategy, KPIs and performance expectations across the team.
• Lead high-performance initiatives that strengthen productivity, motivation and accountability.
• Leverage data analytics, customer insights and portfolio trends to optimize recoveries and minimize impairments.
• Continuously review and improve policies, processes and systems to enhance operational efficiency.
• Design and implement effective tools for real-time reporting, action tracking and customer service management.
• Identify high-risk late-stage accounts and implement decisive strategies for rehabilitation or asset realization.
• Develop competitive incentive programs that drive strong staff performance and collections results.
• Oversee asset realization processes in secured collections to ensure profitability and adherence to policy.
• Manage and strengthen relationships with regulators, partners, legal service providers and other key stakeholders.

• Bachelor’s degree in Banking, Finance, Business, Accounting or related field.
• Masters in the same fields is preferred.
• Valid Membership with Zambia Institute of Banking & Financial Services (ZIBFS) and Zambia Institute of Chartered Accountants (ZICA)
• Working knowledge of IFRS 9 and its practical application in credit provisioning.
• Minimum 7 years of relevant work and leadership experience within finance department, with at least 3 of those years in collections and recoveries.
• Proven success in leading high-performing recoveries teams and delivering strong portfolio outcomes.
• Strong understanding of regulatory compliance and credit risk frameworks.
• Exceptional leadership, communication and stakeholder management skills.