Head of Home Loans Collections
A prominent, forwardâthinking financial services organisation is seeking a seasoned leader to head up its Home Loans and Collections function. This role sits at a senior leadership level and carries full accountability for secured lending strategy, portfolio performance, impairments, and recoveries across the credit lifecycle.
The successful candidate will operate at the intersection of strategy, analytics, risk, and governance, shaping how secured lending portfolios are managed, optimised, and modernised. You will lead highly specialised teams across analytics, collections, recoveries, and legal processes, while partnering closely with executive stakeholders to influence enterpriseâwide credit and recovery strategies.
Why join this organisation? This is a business known for strong credit governance, balanceâsheet resilience, and innovation within its retail banking environment. Youll be empowered to modernise collections methodologies, embed dataâdriven decisionâmaking, and deliver measurable commercial and risk outcomes.
You'll gain executive influence, ownership of a cornerstone portfolio, provide strategic impact at scale, and have the opportunity to shape the future of secured lending and recoveries.
Key Responsibilities:
- Provide strategic leadership for the Home Loans and Collections portfolio, including impairments, recoveries, and portfolio optimisation
- Lead and develop specialist teams across quantitative analytics, collections, recoveries, and secured lending
- Oversee legal, regulatory, compliance, and foreclosure processes, ensuring robust governance across the credit lifecycle
- Drive dataâled insights to enhance collections efficiency, minimise losses, and improve portfolio profitability
Job Experience and Skills Required:
- Education:
- Degree in Business Commerce, Finance & Accounting, Mathematical Sciences, Risk Management, or a related quantitative field
- Certified Risk Manager (CRM) qualification required
- Experience:
- 1015 years experience leading a home loans or vehicle & asset finance portfolio
- Strong Retail Banking background (secured lending preferred; unsecured considered)
- Proven track record designing and executing largeâscale collections and recovery strategies
- Demonstrated leadership of quantitative analytics teams
- Deep understanding of credit risk management, portfolio analysis, collections, and recoveries
- Handsâon experience overseeing legal processes, regulatory compliance, and foreclosure activities
- Skills / Technical Requirements:
- Strong financial acumen and advanced credit analytics capability
- Risk reporting and enterprise risk management expertise
- Data governance, data quality, and compliance experience
- Financial and accounting control knowledge
- Quantitative and analytical decisionâmaking ability
- Exceptional leadership, strategic thinking, and execution skills
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