Head of Collections & Recovery at Carbon Nigeria at Carbon Nigeri

About the role

Full description from the employer source. Apply via the official link when ready.

Take charge as the Head of Collections & Recovery at Carbon Nigeria, based in Lagos, driving the bank's mission to provide seamless financial services across Africa. Carbon Nigeria is a leading digital bank known for its efficient loan disbursement and revenue growth, operating across Nigeria, Ghana, and Kenya with a diverse global team. In this leadership role, you will oversee the entire collections and recovery process, crafting and executing strategies to maximize loan recovery while minimizing portfolio-at-risk and non-performing loans. You will collaborate closely with sales and credit risk teams to ensure a comprehensive credit lifecycle management from loan issuance to recovery. Your daily work will involve managing collection workflows, negotiating settlements on high-risk accounts, and integrating cutting-edge technologies such as AI automation and predictive modeling to enhance recovery operations.

This position requires a seasoned professional with 7 to 10 years of experience in collections or credit recovery, including at least 3 years in a leadership capacity. You should have a strong grasp of portfolio management, credit risk analytics, and loan lifecycle oversight. You will lead and motivate a collections team while ensuring compliance with regulatory and ethical standards. This full-time role demands excellent negotiation, stakeholder management, and communication skills to effectively report to executive leadership and collaborate across departments. Lagos is a vibrant fintech hub where this role plays a pivotal part in strengthening financial inclusion and portfolio quality within the digital banking sector. Carbon Nigeria's innovative approach and regional presence offer unique opportunities to influence credit recovery strategies in a growing market. While specific salary details are not disclosed, this role offers significant career growth in fintech and banking operations, opening pathways to senior executive positions in credit risk and portfolio management. Successful candidates typically advance to strategic leadership roles within dynamic financial institutions. To stand out, emphasize your measurable achievements in loan recovery and portfolio risk reduction in your CV and cover letter. Highlight your experience leading teams and implementing technology-driven recovery solutions. Provide concrete examples of how you improved recovery rates and managed large portfolios. We encourage qualified candidates passionate about driving collections excellence to apply for the Head of Collections & Recovery at Carbon Nigeria in Lagos. Submit your application promptly to join a forward-thinking fintech leader.

Requirements

EssentialNice to have below

Hold a Bachelor's Degree in Finance, Accounting, Economics, or related field
Possess 7 to 10 years of experience in collections, credit recovery, or risk management
Have at least 3 years in a leadership role within banking, microfinance, or fintech lending

Responsibilities

Develop and refine collections and recovery strategies across all delinquency stages
Design and oversee collections workflows, scripts, and escalation procedures
Set and monitor collection targets and recovery performance metrics
Lead negotiation and settlement for high-risk and non-performing loans
Manage procurement and integration of collections and recovery software
Introduce AI-driven automation and digital communication channels to improve efficiency
Monitor loan portfolio health and provide regular quality and recovery reports
Collaborate with credit risk and sales teams to align credit policies and customer acquisition

Key skills

portfolio managementcredit risk analyticsloan lifecycle managementnegotiationstakeholder managementdata analysisteam leadershipcollections softwareloan management systemsregulatory compliance

Nice to have

Possess an MBA or relevant professional certifications such as ACCA or Credit Risk certifications
Experience working within an executive management structure

About Carbon Nigeria

About the Company

Carbon Nigeria

Carbon Nigeria is a leading pan-African digital bank focused on delivering seamless financial services across multiple countries including Nigeria, Ghana, and Kenya, supported by a diverse global team.

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FAQs

What qualifications are required for the Head of Collections & Recovery at Carbon Nigeria in Lagos?

Candidates must have a Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or related fields to qualify for this role.

How many years of experience are needed for this collections leadership position?

Applicants should have between 7 and 10 years of experience in collections, credit recovery, or risk management, including at least 3 years in a leadership role.

Is the Head of Collections & Recovery role at Carbon Nigeria based onsite or remote?

This role is based in Lagos and requires working onsite at Carbon Nigeria's office.

What is the typical work schedule for this Head of Collections & Recovery position?

This is a full-time position involving leadership responsibilities and collaboration across multiple teams during regular business hours.

Does the Head of Collections & Recovery role offer career growth opportunities in Lagos?

Yes, this role opens pathways to senior executive positions in credit risk and portfolio management within the fintech and banking sectors in Lagos.

Head of Collections & Recovery at Carbon Nigeria

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