Senior Manager - Collections & Recoveries

Our client is seeking an experienced Senior Manager – Collections & Recoveries to lead the strategy, performance, and continuous optimisation of its collections function. This is a senior leadership role focused on developing effective collections strategies, improving portfolio performance, and leading a high‑performing team within a regulated financial services environment.

The successful candidate will play a key role in reducing credit losses, improving recovery rates, and ensuring collections activities are aligned with business objectives, customer outcomes, and regulatory requirements.

Key Responsibilities

Collections Strategy

• Develop, implement, and optimise collections and recoveries strategies for lending and/or credit card portfolios.
• Monitor delinquency, recovery rates, and portfolio performance, identifying opportunities for continuous improvement.
• Design customer segmentation and collections strategies based on risk profiles and portfolio analytics.
• Drive process improvements to enhance operational efficiency and customer outcomes.

Leadership & Stakeholder Management

• Lead, mentor, and develop the Collections & Recoveries team.
• Collaborate with Credit Risk, Compliance, Legal, Customer Service, and other key stakeholders.
• Manage relationships with external collections agencies and service providers.
• Present portfolio performance, KPIs, and strategic recommendations to senior management.

Data & Performance

• Analyse portfolio data to identify trends, risks, and opportunities.
• Develop performance reporting and dashboards to support data‑driven decision‑making.
• Ensure compliance with internal policies, regulatory requirements, and industry best practices.
• Stay informed of market developments and emerging collections technologies.

Requirements

• Minimum 5 years of experience in Collections, Recoveries, or Credit Risk within Financial Services.
• Strong experience with unsecured lending, loans, or credit card portfolios.
• Previous leadership experience managing and developing high‑performing teams.
• Strong understanding of collections strategies, portfolio management, and regulatory requirements.
• Excellent analytical, commercial, and stakeholder management skills.
• Experience using data and analytics to improve collections performance.
• Bachelor's degree in Finance, Business, Economics, or a related field. A Master's degree or relevant professional certification will be considered an advantage.
• Fluent English is essential. German language skills will be considered an advantage.

What Our Client Offers

• Competitive salary, bonus, and comprehensive benefits package.
• Opportunity to lead a strategic function within a growing financial services organisation.
• Collaborative and professional working environment.
• Career development and progression opportunities.
• The chance to shape and enhance collections strategies within an international business.