Head of Collections & Recovery

AI summary

Carbon Nigeria seeks a Head of Collections & Recovery to lead its collections and recovery strategy, ensuring optimal recovery of delinquent loans while minimizing portfolio-at-risk and non-performing loans. The role requires close collaboration with sales and credit risk heads, and demands 7-10 years of experience.

• Leads collections and recovery strategy for Carbon Nigeria
• Minimizes portfolio-at-risk (PAR) and non-performing loans (NPLs)
• Requires 7-10 years of experience in risk management and compliance

Original source description

Head of Collections & Recovery at Carbon Nigeria July, 2026 | MyJobMag Login Signup Employers Nigeria Ghana Kenya Nigeria South Africa UK Jobs Career Advice Post Job Search for Jobs Abia Abuja Adamawa Akwa Ibom Anambra Bauchi Bayelsa Benue Borno Cross River Delta Ebonyi Edo Ekiti Enugu Gombe Imo Jigawa Kaduna Kano Katsina Kebbi Kogi Kwara Lagos Nasarawa Niger Ogun Ondo Osun Other Oyo Plateau Rivers Sokoto Taraba Yobe Zamfara Administration / Facilities Agriculture / Agro-Allied Art / Crafts / Languages Aviation / Aerospace Banking Bursary and Scholarships Caregiver / Nanny / Social Workers Catering / Confectionery Construction and Site Engineering Consultancy Content, Editorial and Journalism Customer Care, Success and Service Data, Business Analysis and AI Driving Education: / Teaching / Training Engineering / Technical Environment Health and Safety Finance / Accounting / Audit Food, Beverage and Hospitality General Graduate Jobs Human Resources / HR ICT / Computer Insurance Internships Janitorial Services Legal and Regulatory Logistics Manufacturing Marketing and Communication Media Production and Entertainment Medical / Healthcare NGO/Non-Profit Oil and Gas, Energy and Mining Pharmaceutical Procurement / Store-keeping / Supply Chain Product Management Project and Program Management Real Estate Research and Development RFP / RFQ / EOI Risk Management and Compliance Sales and Business Development Science Security / Intelligence Shipping and Maritime Sports, Fitness and Personal Care Strategic and Top Management Travels and Tours UX, Design and Architecture Volunteer BA/BSc/HND First School Leaving Certificate MBA/MSc/MA NCE OND Others PhD/Fellowship Professional Certificate Secondary School (SSCE) Vocational Close Detailed Search X Send this job to a friend Type the email of your friend Enter your email Type Your Email Message I think you may be interested in this position - Head of Collections & Recovery at Carbon Nigeria. This is the link: https://www.myjobmag.com/job/head-of-collections-recovery-carbon-nigeria?utm_source=email_friend. Copy and paste link on browser if link is not working. Check it out! X Did you notice an error or suspect this job is scam? Tell us. Enter your email Type Your Message Head of Collections & Recovery at Carbon Nigeria View Jobs in Banking / Financial Services / View Jobs at Carbon Nigeria Posted: Jul 17, 2026 Deadline: Not specified Save Email @gmail.com @yahoo.com @outlook.com We empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management. Carbon is headquartered in Lagos, Nigeria. We are a global company of over 90 employees with operations in Nigeria, Ghana and Kenya Read more about this company Head of Collections & Recovery Job Type Full Time Qualification BA/BSc/HND , MBA/MSc/MA , Professional Certificate Experience: 7 - 10 years Location Lagos Job Field Risk Management and Compliance About This Role The Head of Collections & Recovery will lead the Carbon's collections and recovery strategy, ensuring optimal recovery of delinquent loans while minimizing portfolio-at-risk (PAR) and non-performing loans (NPLs). This role requires close collaboration with the Head of Sales and Head of Credit Risk to ensure a holistic, end-to-end credit lifecycle approach — from loan origination and underwriting through to disbursement, monitoring, collections and recovery. The ideal candidate combines strong leadership and proven experience: in collections operations with a solid grasp of portfolio management principles to proactively identify risk and drive recovery performance. Responsibilities: Collections Strategy & Execution: Develop, implement, and continuously refine the bank's collections and recovery strategy across all delinquency buckets (early, mid, and late-stage/write-off). Design and monitor collections workflows, scripts, escalation protocols, and field/tele-collection processes. Set and track collection targets, recovery rates, and cost-to-collect metrics. Lead restructuring, negotiation, and settlement initiatives for high-risk or non-performing accounts. Lead the end-to-end procurement cycle for collections and recovery software, including vendor evaluation, contract negotiation, and cross-functional integration to modernize debt recovery capabilities. Lead the strategic evolution of the collections and recovery functions, introducing AI-driven automation, predictive modeling, and digital-first communication channels to enhance operational efficiency. Portfolio Management & Risk Oversight: Maintain a strong, high-level understanding of the loan portfolio's health, including PAR trends, vintage analysis, roll rates, and cohort performance. Work closely with the Head of Credit Risk to provide feedback on underwriting outcomes based on downstream collections performance, helping refine credit policies and risk models. Identify early warning indicators of portfolio deterioration and recommend proactive interventions. - Provide regular portfolio quality reports and recovery forecasts to the MD/CEO and MCC. Cross-Functional Collaboration: Partner with the Head of Sales to ensure alignment between customer acquisition strategies and portfolio quality, providing insights on segments or channels with higher delinquency risk. Collaborate with the Head of Credit Risk on credit policy adjustments, risk scoring, and approval thresholds based on collections trends. Represent the Collections function at MCC meetings, contributing to strategic decisions on risk appetite, growth targets, and portfolio performance. Manage strategic relationships with third-party collection agencies, from initial vendor selection and contract negotiation to ongoing performance evaluation. Work with Legal/Compliance on recovery actions requiring litigation,, or regulatory reporting. Collaborate with Finance and Credit Risk teams to provide data-driven inputs for impairment provisioning (IFRS/ ECL) and financial forecasting. Team Leadership: Build, lead, and motivate the collections team (in-house and/or third-party agents), setting clear KPIs and performance management structures. Drive a performance culture through training, coaching, and incentive structures aligned with recovery targets. Ensure collections practices comply with regulatory guidelines and ethical debt recovery standards. Reporting & Governance: Prepare and present periodic collections and recovery performance reports to the MD/CEO and MCC. Ensure accurate and timely reporting of NPLs, provisioning requirements, and recovery rates in line with regulatory and audit requirements. Requirements: Education: Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field. Experience: - Minimum of 7–10 years' experience: in collections, credit recovery, or risk management within a bank, microfinance institution, or fintech lending environment, with at least 3 years in a leadership role. Proven track record of managing large loan portfolios and driving measurable improvements in recovery rates and PAR reduction. Experience: working within an executive management structure is highly desirable. Skills & Competencies: Strong, high-level understanding of portfolio management, credit risk analytics, and loan lifecycle management. Excellent negotiation, conflict resolution, and stakeholder management skills. Data-driven decision-making ability, with proficiency in analyzing collections and portfolio performance metrics. Strong leadership and people management skills, with experience: managing both in-house teams and external recovery agents. Excellent communication skills, with the ability to present complex portfolio insights clearly to executive stakeholders. Familiarity with core banking/loan management systems and collections software. Sound knowledge of relevant regulatory requirements: governing debt recovery and microfinance operations. Strong communication and financial acumen necessary to represent the collections function at the credit risk committee level and align recovery strategies with broader credit risk appetite. Nice to Have: An MBA or relevant professional certification (e.g., ACCA, Credit Risk certifications) is an advantage. Check how your CV aligns with this job Method of Application Interested and qualified? Go to Carbon Nigeria on careers.getcarbon.co to apply Build your CV for free. Download in different templates. Share Save Email Report Get new Risk Management and Compliance jobs like this on Telegram. Subscribe on Telegram Send your application Your Name Your Email Your Phone Number Your Current Location Abia Abuja Adamawa Akwa Ibom Anambra Bauchi Bayelsa Benue Borno Cross River Delta Ebonyi Edo Ekiti Enugu Gombe Imo Jigawa Kaduna Kano Katsina Kebbi Kogi Kwara Lagos Nasarawa Niger Ogun Ondo Osun Other Oyo Plateau Rivers Sokoto Taraba Yobe Zamfara Subject of your Application Your cover letter Attach your CV/Doc View All Vacancies at Carbon Nigeria Back To Home Jobs You Might Be Interested in Internal Control Officer Auditor I at Nautilus Nigeria Engineering and Construction Limited Process Coordinator at Sunhive Ltd Head, Risk Management at Neptune Microfinance Bank Internal Audit & Control Lead Head, Internal Audit & Control Compliance & Risk Officer at Bluechip Technologies Limited Head of Internal Control at Signature Bank Manager, Retail Credit Underwriting at Zedcrest Capital Limited Lead, Credit Administration at Zedcrest Capital Limited Credit Risk Analyst at Atiat Limited Credit Policy Analyst at Renmoney Senior Risk Analyst (Portfolio Risk) at Renmoney Senior Anti-Fraud & Credit Policy Manager at Renmoney Lead, Head Office Operations Control at Moniepoint Inc. 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