Head: Home Loans Collections

SUMMARY:
Head: Home Loans Collections | Johannesburg | Financial Services

POSITION INFO:
A leading financial institution is seeking a dynamic and strategic leader to take on the role of Head: Home Loans Collections within the Personal & Private Banking segment. This is a high-impact leadership role focused on driving recovery strategies, enhancing collections performance, and protecting the bank’s secured lending portfolio.

Key Responsibilities:

• Design and implement strategies to recover and rehabilitate distressed secured assets (immovable, tangible, intangible) linked to doubtful debts
• Lead and guide the Home Loans Collections team, ensuring alignment with best practice, governance, and risk frameworks
• Oversee the full collections lifecycle, including foreclosure management, litigation strategies, and rehabilitation
• Drive collections target achievement while managing risk exposure and client outcomes
• Ensure robust compliance with legal and regulatory standards across all collection processes
• Collaborate with internal stakeholders across Credit, Legal, Risk, and Client Experience teams
• Continuously evaluate and improve operational processes to optimize recovery efforts

Ideal Candidate Profile:

• A seasoned leader with a strong background in collections, credit risk, and recovery
• Proven experience in leading teams and designing credit collections strategies
• Deep understanding of secured lending, portfolio analysis, and foreclosure processes
• Solid grasp of relevant legal, compliance, and governance frameworks
• Strong decision-making, leadership, and stakeholder management capabilities

Minimum Requirements:

• Bachelor’s degree in Finance, Business, Risk Management, or a related field
• 10+ years of experience in Credit Risk, Collections, or Recovery, including functional leadership
• Certification in Risk Management (CRM) or equivalent is advantageous
• Experience in banking, home loans collections, and distressed asset recovery
• Familiarity with quantitative analysis, risk reporting, and workflow management

Key Competencies:

• Strategic Thinking & Decision Making
• Legal & Regulatory Compliance
• Risk Awareness & Portfolio Management
• Collections and Foreclosure Oversight
• People Leadership & Performance Management
• Communication, Influence & Resilience