Head of Asset Recovery

Key Responsibilities

• Define the bank s recovery approach including the policies processes and annual plans that underpin it
• Oversee recovery work from early arrears through to legal enforcement across retail and corporate books
• Track overdue and non-performing balances recovery rates and losses and spot portfolio deterioration early
• Build the KPI framework recovery targets early-warning triggers and case-management controls
• Advise on the best route for significant problem accounts whether rescheduling negotiated settlement write-off or litigation
• Appoint and manage external partners including collection agencies law firms valuers and asset-sale partners
• Present portfolio trends recovery forecasts and recommendations to senior leadership and credit committees
• Keep the function fully compliant with regulatory legal internal policy and audit standards
• Lead and develop the recovery team building a culture of ownership and delivery

Key Requirements

• Degree in Finance, Banking, Economics, Business, Law, or a similar discipline
• 10+ years in banking or financial services across collections, remedial, workout, or recovery roles, with at least 4 years leading teams
• Track record of resolving large, complex problem and non-performing exposures
• In-depth understanding of restructuring, enforcement, provisioning, and NPL management
• Sharp credit judgement and strong financial analysis skills
• Confident negotiator with strong leadership and stakeholder skills

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