Head: Home Loans and Collections

Join a forward‑thinking Financial Services organisation renowned for innovation, stability, and strong credit governance frameworks. This role offers the successful candidate the opportunity to lead at an executive level, influence enterprise‑wide lending and collections strategies, and steer a high‑performing Home Loans and Collections team in a highly collaborative environment.

You will drive strategy for secured lending portfolios, optimise portfolio performance, and champion data‑driven collections and recovery methodologies. With full oversight of analytics, risk, legal recoveries, and foreclosure processes, this role offers significant scope to modernise, innovate, and deliver measurable commercial impact.

What's in it for me? A chance to lead a flagship portfolio, shape organisational strategy, and operate at the forefront of retail credit transformation.

Key Responsibilities:

• Drive the strategic leadership of the home loans and collections function, including portfolio strategy, impairments, and recovery optimisation.
• Lead and develop specialist teams across quantitative analytics, collections, recoveries, and secured lending.
• Oversee legal, compliance, regulatory, and foreclosure processes, ensuring governance excellence across the credit lifecycle.
• Deliver data‑driven insights to improve collections efficiency, credit risk performance, and portfolio profitability.

Job Experience and Skills Required:

• Education:
• Degree in Business Commerce, Finance & Accounting, Mathematical Sciences, Risk Management, or Quantitative Studies
• Certified Risk Manager (CRM) qualification required
• Experience:
• 10-15 years experience heading up a home loans or VAF portfolio
• Strong Retail Banking experience (secured lending preferred / unsecured acceptable)
• Track record designing collections and recovery strategies at scale
• Experienced in quantitative analytics with proven leadership of specialist analytics teams
• Full understanding of credit risk management, portfolio analysis, collections & recoveries
• Legal, regulatory, and compliance experience in supervising foreclosure processes
• Skills / Technical:
• Strong financial acumen and credit analytics capability
• Risk reporting & risk management expertise
• Data quality, data compliance, and governance knowledge
• Financial & accounting control
• Quantitative analysis
• Strong leadership, decision‑making, and strategic execution capability

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