Background

HFC Limited, the banking and property finance subsidiary of HF Group, has an exciting opportunity in our Credit Department. We are seeking a talented, dynamic, self-driven, and results-oriented individual who is committed to performance, excellence, and participating in our growth strategy.

To lead and manage the Bank’s end-to-end collections and debt management function across Retail, Business Banking, and Commercial Banking portfolios, ensuring optimal recovery, reduced delinquencies, regulatory compliance, and sustainable asset quality.

Principle Accountabilities

Strategy & Leadership

• Define and execute collections and debt management strategies across Retail, Business and Commercial Banking segments.
• Lead and develop multi-segment Collections Teams, including Early, Mid and Late-Stage recovery units.
• Establish segment-specific KPIs, recovery targets and governance frameworks aligned with the Bank’s risk appetite.

Collections & Recovery Management

• Oversee delinquency management, recoveries, restructurings, settlements, and write-off recommendations across all segments.
• Manage high-value and complex commercial accounts, including restructuring and legal recovery actions.
• Oversee and govern outsourced collection agencies, law firms and recovery vendors.

Risk, Compliance & Governance

• Ensure compliance with regulatory requirements, internal credit policies and fair customer treatment standards.
• Monitor and report portfolio performance, including NPLs, roll rates, cure rates and recovery trends by segment.
• Present portfolio insights, risk escalations, and recovery strategies to senior management and board committees.

Process Improvement & Analytics

• Drive improvements in collections processes, systems, and analytics, including segmentation and behavioral scoring.
• Partner with Credit, Legal, Finance, Operations, and Business teams to improve early warning mechanisms and reduce future delinquencies.
• Support portfolio reviews, stress testing, and provisioning inputs.

Stakeholder Management

• Act as the escalation authority for sensitive, high-risk, or high-value delinquent accounts.
• Liaise with regulators, auditors, and internal governance forums as required.

Key Competencies and Skills

• Strong leadership and people management skills.
• Sound credit judgment and negotiation skills.
• Excellent analytical and decision-making ability.
• Strong knowledge of legal recovery and asset realization.
• High ethical standards and customer-centric mindset.
• Excellent communication and stakeholder management skills.

Minimum Qualifications, Knowledge and Experience

• Bachelor's in finance, Accounting, Economics, or related field
• CPA, ACCA, CFA, or Credit Management certification preferred
• Minimum 8–10 years’ experience in banking, with at least 5 years in Collections, Recoveries or Credit Risk management.

• Define and execute collections and debt management strategies across Retail, Business and Commercial Banking segments.
• Lead and develop multi-segment Collections Teams, including Early, Mid and Late-Stage recovery units.
• Establish segment-specific KPIs, recovery targets and governance frameworks aligned with the Bank’s risk appetite.
• Oversee delinquency management, recoveries, restructurings, settlements, and write-off recommendations across all segments.
• Manage high-value and complex commercial accounts, including restructuring and legal recovery actions.
• Oversee and govern outsourced collection agencies, law firms and recovery vendors.
• Ensure compliance with regulatory requirements, internal credit policies and fair customer treatment standards.
• Monitor and report portfolio performance, including NPLs, roll rates, cure rates and recovery trends by segment.
• Present portfolio insights, risk escalations, and recovery strategies to senior management and board committees.
• Drive improvements in collections processes, systems, and analytics, including segmentation and behavioral scoring.
• Partner with Credit, Legal, Finance, Operations, and Business teams to improve early warning mechanisms and reduce future delinquencies.
• Support portfolio reviews, stress testing, and provisioning inputs.
• Act as the escalation authority for sensitive, high-risk, or high-value delinquent accounts.
• Liaise with regulators, auditors, and internal governance forums as required.

• Strong leadership and people management skills.
• Sound credit judgment and negotiation skills.
• Excellent analytical and decision-making ability.
• Strong knowledge of legal recovery and asset realization.
• High ethical standards and customer-centric mindset.
• Excellent communication and stakeholder management skills.

• Bachelor's in finance, Accounting, Economics, or related field
• CPA, ACCA, CFA, or Credit Management certification preferred