Senior Legal Recoveries Manager

About the role

Reporting to the Collections Head, you will manage the end‑to‑end legal recoveries function for Retail. This includes foreclosures, defended portfolios, deceased and insolvent estates, distressed loans and legal cancellations, working closely with attorneys, sheriffs, executors and external debt collectors to protect the Group’s position while rehabilitating and retaining customers wherever possible.

Key responsibilities

• Manage foreclosures, defended portfolios, deceased and insolvent estates, distressed loans and legal cancellations.
• Coordinate with attorneys, sheriffs, executors and external debt collectors to ensure efficient recovery processes.
• Handle defendant matters where customers oppose legal action or institute claims against the bank.
• Lead collections teams to meet operational and cost targets.
• Allocate business support resources efficiently and monitor budget utilisation.
• Drive strategic initiatives such as digital collections, quality assurance process mapping and the categorisation of default reasons.
• Rehabilitate and retain customers through negotiated arrangements and additional forbearance strategies.
• Minimise financial, legal and reputational risk by ensuring compliance and swift resolution of legal milestones.
• Use data and analytics to identify trends, inform strategy and improve performance.

Required profile

• Hold a Bachelor’s degree in Commerce, Law or another relevant field, or be in the process of obtaining one.
• Have a minimum of 5 years’ experience in collections and recoveries, with a thorough understanding of legal processes and regulatory requirements.
• Demonstrate strong leadership skills with excellent verbal and written communication.
• Ability to formulate and implement strategy, manage performance and foster collaboration.
• Embrace digital collections strategies.
• Proficient in Microsoft Office.