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Lead, Legal & Recovery
About this role
CredPal in Lagos requires a Lead, Legal & Recovery to own the legal recovery strategy and drive cash recoveries from delinquent, high-risk and difficult-to-recover accounts. It is a hands-on, commercially focused role that demands decisive ownership and end-to-end action from demand and negotiation to legal escalation, external recovery, field action, litigation and enforcement where appropriate.
What you would do
- Develop and execute structured recovery strategies across delinquency buckets, high-value exposures, written-off accounts and difficult portfolios.
- Determine the appropriate legal recovery route for delinquent accounts and manage escalation through demand notices, settlements, litigation, enforcement and other lawful means.
- Oversee external recovery partners, including law firms, recovery agencies and field agents, to meet targets and timelines.
- Manage CredPal’s recovery litigation portfolio from commencement to judgment and enforcement, ensuring progress without unnecessary delays.
- Coordinate field recovery and senior-level intervention for high-value or sensitive accounts requiring specialised attention.
- Collaborate with internal teams to ensure seamless escalation into legal recovery and to maintain case tracking and next steps.
What they are asking for
- LLB and B.L with admission to the Nigerian Bar.
- 5-8 years of post-call experience in debt recovery, commercial litigation, banking, lending, fintech or financial services.
- Proven track record recovering significant delinquent or difficult debt portfolios; experience in debt recovery, enforcement, settlements and litigation.
- Strong knowledge of Nigerian lending, contract, insolvency, enforcement and consumer-protection frameworks.
- Experience managing external counsel, recovery agencies, field recovery teams and other third-party partners; strong negotiation skills.
- Excellent drafting skills for demand notices, settlement agreements and legal correspondence; strong stakeholder management and ability to work with senior management; ethical and results-driven.
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