Head of Asset Recovery

Key Responsibilities Define the bank's recovery approach, including the policies, processes, and annual plans that underpin itOversee recovery work from early arrears through to legal enforcement, across retail and corporate booksTrack overdue and non-performing balances, recovery rates, and losses, and spot portfolio deterioration earlyBuild the KPI framework, recovery targets, early-warning triggers, and case-management controlsAdvise on the best route for significant problem accounts, whether rescheduling, negotiated settlement, write-off, or litigationAppoint and manage external partners, including collection agencies, law firms, valuers, and asset-sale partnersPresent portfolio trends, recovery forecasts, and recommendations to senior leadership and credit committeesKeep the function fully compliant with regulatory, legal, internal policy, and audit standardsLead and develop the recovery team, building a culture of ownership and delivery Key RequirementsDegree in Finance, Banking, Economics, Business, Law, or a similar discipline10+ years in banking or financial services across collections, remedial, workout, or recovery roles, with at least 4 years leading teamsTrack record of resolving large, complex problem and non-performing exposuresIn-depth understanding of restructuring, enforcement, provisioning, and NPL managementSharp credit judgement and strong financial analysis skillsConfident negotiator with strong leadership and stakeholder skills