Head of Debt Collections

About this role

The Head of Debt Collections at Moniepoint in Lagos leads the design and execution of the debt collection framework to minimise loss given default across both business and consumer lending. The role oversees strategies for digital retail and large-ticket corporate lending, directing the collections function and coordinating with legal, credit, risk and finance teams.

What you would do

• Create a segmented debt collection framework across product types, ticket sizes and delinquency stages.
• Define the debt collection unit structure and recruit high-calibre talent.
• Establish the operational and systems infrastructure needed for scalable recovery.
• Direct the legal recovery strategy and ensure compliance with applicable regulations and debt collection laws.
• Manage engagements with external stakeholders to expedite resolution of non-performing loans.
• Own reporting on recovery performance and LGD trends to senior management and inform credit decisions.

What they are asking for

• Bachelor's degree in a relevant field.
• Minimum 7 years of credit/debt recovery experience, including senior leadership of a recovery function handling high-value non-performing loans.
• Experience spanning both high-ticket/corporate recovery (litigation-led, relationship-driven) and high-volume digital/retail collections (analytics-led, tech-enabled).
• Strong knowledge of debt recovery laws, banking regulations, and court procedures in Nigeria.
• Familiarity with digital collections infrastructure and tactics (dialer/CRM systems, SMS/USSD/app-based nudges, propensity-to-pay scoring, behavioural segmentation).
• Demonstrated capability designing, building, or scaling a recovery/collections function, including organisational design, systems and process build-out, and team hiring.

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