Lead, Legal & Recovery
AI summary
CredPal is hiring a Lead, Legal & Recovery in Lagos to own the legal recovery strategy and drive measurable cash recoveries across delinquent and high-risk accounts. The role is hands-on and commercially focused, covering demand notices, negotiations, settlements, litigation support, and high-value case management. This is a full-time position within a fintech company focused on consumer credit solutions.
- Owns legal recovery strategy and execution for delinquent and high-risk accounts
- Hands-on role involving demand letters, negotiations, settlements, and litigation support
- Personally manages high-value and sensitive recovery cases
- Full-time position based in Lagos
AI job guide
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AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in internship, restaurante, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in LagosThe vacancy is associated with this location.
- UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Lead, Legal & Recovery evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to CredPal and the role in Lagos.
- Add concrete examples related to internship, restaurante, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
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Interview preparation
- What experience makes you a strong fit for this Lead, Legal & Recovery role in internship, restaurante?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Lagos under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research CredPal before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
Job Title: Lead, Legal & Recovery
Job Type: Full time
Lead, Legal & Recovery at CredPal
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Sep 21, 2026, 1:20 PM
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Credpal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific goals over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.
We are recruiting to fill the position below:
Location: : Lagos
Purpose Statement
The successful candidate must be firm, highly execution-driven, and focused on measurable recovery outcomes able to challenge underperforming recovery partners, negotiate firmly, escalate cases without unnecessary delay, drive matters relentlessly to resolution, and ultimately deliver measurable cash recoveries to the business.
The Lead, Legal & Recovery will own CredPal’s legal recovery strategy and execution, with direct responsibility for improving recoveries across delinquent, high-risk, and difficult-to-collect accounts.
We are not looking for someone who only provides legal opinions or sends demand letters. This is a hands-on, commercially driven role for someone who can take full ownership of the recovery portfolio, develop clear action plans for major exposures, and move decisively from demand and negotiation to legal escalation, external recovery, field action, litigation, settlement, and enforcement where appropriate.
Responsibilities
- Demand & Legal Notices: Drive the preparation, issuance, tracking, and follow-up of demand letters, pre-action notices, settlement agreements, and other recovery documentation.
- Documentation & Evidence: Ensure loan documentation, agreements, transaction records, communications, and supporting evidence required for enforcement are complete and properly maintained.
- Negotiation & Settlement: Lead negotiations with delinquent customers and counterparties, structure commercially viable repayment plans, and recommend settlements where appropriate.
- High-Value Accounts: Personally oversee high-value and sensitive recovery cases requiring senior-level intervention.
- Data & Skip Tracing: Leverage available customer, transaction, employment, banking, contact, and location data to improve recovery strategies and contactability, subject to applicable laws and internal policies.
- Portfolio Segmentation: Segment recovery accounts by exposure, delinquency stage, customer profile, probability of recovery, and appropriate recovery channel.
- Legal Escalation: Determine the appropriate legal recovery route for delinquent accounts and ensure timely escalation through demand notices, settlement negotiations, litigation, enforcement, and other lawful recovery mechanisms.
- Recovery Tracking: Maintain clear visibility of every escalated account, action taken, responsible recovery channel, next step, expected recovery amount, and recovery status.
- Compliance: Ensure all recovery activities comply with applicable Nigerian laws, regulatory requirements, consumer-protection standards, data-protection requirements, and CredPal policies.
- Field Recovery: Coordinate lawful physical recovery and customer-engagement activities for accounts requiring field intervention.
- Recovery Economics: Evaluate recovery costs against expected recoveries and ensure external legal and recovery expenses remain commercially justified.
- Recovery Partner Management: Manage and hold external law firms, recovery agencies, field agents, and other approved recovery partners accountable to clearly defined targets and timelines.
- Reporting: Provide weekly recovery reports to Management showing portfolio movement, recoveries achieved, escalations, legal cases, blocked accounts, key risks, and next actions.
- Recovery Strategy: Develop and execute aggressive, structured recovery strategies across delinquency buckets, high-value exposures, written-off accounts, and difficult-to-recover portfolios.
- Legal Risk Management: Advise the business on legal risks relating to lending, debt recovery, customer disputes, settlements, enforcement, and contractual obligations.
- Litigation Management: Manage CredPal’s recovery litigation portfolio from commencement through judgment and enforcement, ensuring cases progress without unnecessary delays.
- Collections Collaboration: Work closely with Collections, Credit, Risk, Finance, Data, and Operations teams to ensure seamless escalation from collections into legal recovery.
- Key Success Metrics
- Accuracy and timeliness of recovery reporting and case tracking.
- Reduction in aged delinquent balances.
- Recovery cost as a percentage of amounts recovered.
- Recovery achieved from high-value and written-off accounts.
- Performance of external law firms and recovery partners against targets.
- Number and value of successful settlements and enforcement outcomes.
- Value and percentage of delinquent debt recovered.
- Recovery rate across assigned delinquency buckets.
- Reduction in stalled or inactive recovery cases.
- Speed of escalation from failed collections to legal recovery.
Requirements
- & Qualifications
- Highly accountable, target-driven, persistent, and comfortable working in a fast-paced, high-pressure environment.
- Demonstrable track record of recovering significant delinquent or difficult debt portfolios.
- 5–8 years of post-call experience, with significant exposure to debt recovery, commercial litigation, banking, lending, fintech, or financial services.
- Strong ethics and judgment, with the ability to pursue recovery firmly while maintaining legal, regulatory, and reputational standards.
Experience
managing external counsel, recovery agencies, field recovery teams, and other third-party recovery partners.
Ability to prioritize recovery cases based on value, urgency, enforceability, and probability of recovery.
Bachelor of Laws (LL.B) and B.L, with admission to the Nigerian Bar.
Strong understanding of Nigerian lending, credit, contract, insolvency, enforcement, and consumer-protection frameworks.
Strong stakeholder-management skills and the confidence to work directly with senior management.
Commercial mindset with a strong understanding of the relationship between legal action, recovery probability, cost, and business outcomes.
Strong
handling debt recovery, loan enforcement, commercial disputes, settlements, and litigation.
Strong negotiation skills with the ability to handle difficult debtors and complex settlement discussions.
Strong analytical and investigative skills, with the ability to interpret customer and portfolio data to guide recovery action.
Excellent drafting skills across demand notices, settlement agreements, legal correspondence, briefs, and other recovery documentation.
How to Apply
Interested and qualified candidates should:
Click here to apply online
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