Head of Debt Collections

About the role

The Head of Debt Collections will design and execute Moniepoint’s debt collection framework, focusing on reducing Loss Given Default across business and consumer lending. This strategic leadership role requires building a high‑performing collections organization and leveraging data‑driven tactics to recover diverse credit portfolios.

Key responsibilities

• Design and implement a segmented collection framework covering early‑stage soft collections to hardcore legal recovery, restructuring and write‑off pathways.
• Define the organisational structure, recruit top talent and establish systems (collections management platforms, dashboards, dialer tools) for scalable recovery.
• Direct legal recovery strategy, managing internal actions or external counsel while ensuring compliance with Nigerian financial regulations.
• Engage with law enforcement, regulators and external counsel to accelerate resolution of non‑performing loans.
• Create incentive structures and performance metrics to optimise recovery rates and cost‑to‑collect efficiency.
• Provide regular recovery performance reporting to senior management and advise credit committees on write‑offs and restructuring.
• Collaborate with credit, legal, risk and finance teams to align collection efforts with underwriting standards.

Required profile

• Bachelor’s degree in a relevant field.
• Minimum 7 years of experience in credit/debt recovery, including senior leadership of high‑value non‑performing loan portfolios.
• Proven experience in both high‑ticket corporate recovery (litigation‑led) and high‑volume digital/retail collections (analytics‑led).
• Strong knowledge of Nigerian debt recovery laws, banking regulations and court procedures.
• Experience building a national recovery function with a network of legal counsel across all six geo‑political zones.

Required skills

• Digital collections tools & automation (dialer/CRM systems, SMS/USSD/app nudges).
• Propensity‑to‑pay scoring and behavioural segmentation.
• Data analytics and portfolio reporting.
• Loan recovery and collections strategy.
• Credit risk management.

What we offer

• Culture that puts people first, values every voice and promotes well‑being.
• Learning environment with regular training, knowledge sharing and internal technical talks.
• Competitive salary, pension, health insurance, annual bonus and additional benefits.