Job Description

Apply for the Head of Collections & Recovery position at Carbon Nigeria in Lagos. Review the responsibilities, qualifications, skills, and application process.

Head of Collections & Recovery Job at Carbon Nigeria – Lagos

Carbon Nigeria is recruiting an experienced Head of Collections & Recovery to lead its loan recovery strategy and strengthen portfolio performance across its digital banking operations.

This leadership position is ideal for professionals with extensive experience in collections, credit risk management, portfolio analytics, and financial services. The successful candidate will oversee recovery operations, develop data-driven collection strategies, and collaborate with senior leadership to improve loan performance while maintaining compliance with regulatory standards.

If you have a strong background in banking, fintech, or lending operations and are passionate about using data and technology to improve credit outcomes, this opportunity offers a chance to shape recovery strategy within one of Africa’s leading digital financial institutions.

Job Summary

About Carbon Nigeria

Carbon is a pan-African digital bank that provides accessible financial services through technology-driven solutions. Operating in Nigeria, Ghana, and Kenya, the company offers digital banking products designed to simplify borrowing, payments, savings, and financial management.

With a remote-first operating culture and a focus on innovation, Carbon continues to expand its lending services while investing in technology that improves customer experience and portfolio performance.

Role Overview

The Head of Collections & Recovery will lead the organisation’s collections and recovery function, ensuring effective management of delinquent accounts while reducing portfolio-at-risk (PAR) and non-performing loans (NPLs).

Working closely with the Heads of Sales and Credit Risk, the successful candidate will help manage the full credit lifecycle—from loan origination and underwriting to monitoring, collections, and recovery—using data-driven strategies to improve overall portfolio quality.

Key Responsibilities

Collections Strategy and Recovery Management

The successful candidate will:

• Develop and continuously improve the company’s collections and recovery strategy.
• Oversee recovery activities across early, mid-stage, and late-stage delinquency portfolios.
• Design and optimise collection workflows, escalation procedures, and communication strategies.
• Establish collection targets, recovery goals, and cost-efficiency metrics.
• Lead negotiations, restructurings, and settlement initiatives for high-risk accounts.
• Manage procurement and implementation of collections and recovery technology solutions.
• Introduce AI-powered automation, predictive analytics, and digital communication tools to improve operational efficiency.

Portfolio Management and Credit Risk Oversight

Responsibilities include:

• Monitor portfolio health using key performance indicators such as:
  • Portfolio at Risk (PAR)
  • Vintage analysis
  • Roll rates
  • Cohort performance
• Identify emerging portfolio risks and recommend early intervention strategies.
• Collaborate with the Credit Risk team to improve underwriting policies using collections performance data.
• Prepare portfolio quality reports and recovery forecasts for executive leadership.

Cross-Functional Collaboration

The role involves close collaboration with multiple business units by:

• Working with Sales teams to improve customer acquisition quality.
• Partnering with Credit Risk on lending policy reviews and approval strategies.
• Participating in management credit committee discussions.
• Managing relationships with third-party recovery agencies.
• Collaborating with Legal and Compliance on recovery actions and regulatory matters.
• Supporting Finance teams with impairment provisioning and financial forecasting.

Leadership and Team Management

The Head of Collections & Recovery will:

• Build and lead high-performing collections teams.
• Manage both internal staff and external recovery partners.
• Set performance objectives and monitor key performance indicators.
• Deliver coaching, mentoring, and professional development.
• Promote ethical debt recovery practices and regulatory compliance.

Reporting and Governance

Responsibilities also include:

• Preparing executive reports on collections performance.
• Reporting non-performing loan metrics and recovery outcomes.
• Supporting audit and regulatory reporting requirements.
• Ensuring governance standards are maintained throughout collections operations.

Educational Requirements

Applicants should possess:

• A Bachelor’s Degree in:
  • Finance
  • Accounting
  • Economics
  • Business Administration
  • Or another relevant discipline

An MBA or professional certifications such as ACCA or recognised Credit Risk qualifications will be considered an advantage.

Experience Required

Candidates should demonstrate:

• At least 7–10 years of professional experience in:
  • Collections
  • Credit recovery
  • Risk management
  • Banking
  • Microfinance
  • FinTech lending
• A minimum of 3 years in a management or leadership position.
• Experience managing large lending portfolios.
• A proven record of improving recovery performance and reducing delinquency rates.
• Experience working with executive management teams is highly desirable.

Skills and Competencies

Successful applicants should possess:

• Strong understanding of portfolio management and credit risk analytics.
• Knowledge of loan lifecycle management.
• Excellent negotiation and stakeholder management skills.
• Data analysis and performance reporting capabilities.
• Leadership and people management experience.
• Strong communication and presentation skills.
• Familiarity with banking systems, loan management platforms, and collections software.
• Understanding of financial regulations relating to lending and debt recovery.
• Strong commercial awareness and financial decision-making ability.

Why This Role Matters

Effective collections and recovery management helps financial institutions maintain healthy loan portfolios while supporting responsible lending practices.

In this role, you will contribute to improving portfolio quality, strengthening recovery performance, and shaping strategic decisions that support Carbon’s continued growth across its digital banking operations.

Career Tips Before Applying

Leadership positions in banking and fintech require evidence of measurable business impact. Before applying, ensure your CV highlights achievements such as improvements in recovery rates, reductions in portfolio risk, successful team leadership, and implementation of operational improvements.

Application Deadline

Not Specified

Interested candidates are encouraged to apply early, as the recruitment process may close once a suitable candidate has been identified.

Before submitting your application, review your CV to ensure it clearly highlights your leadership experience, credit risk management expertise, collections strategy, portfolio performance improvements, and measurable business results. Senior banking and fintech employers often look for evidence of strategic impact, team leadership, and data-driven decision-making.

Our How to Write a Professional CV in Nigeria That Gets Interviews (2026 Guide) provides practical tips on tailoring your CV for executive and leadership positions in financial services.

How to Apply

Interested and qualified candidates should submit their applications through the official Carbon Nigeria recruitment portal.

Use the Apply For Job button at the end of this page to access the official online application.

Senior leadership interviews often focus on strategic thinking, stakeholder management, portfolio performance, regulatory compliance, and team leadership.

To prepare effectively, review our 30 Common Job Interview Questions in Nigeria (With Sample Answers and Expert Tips) for practical guidance on answering competency-based and executive-level interview questions with confidence.

Frequently Asked Questions (FAQs)

Where is the Head of Collections & Recovery role located?

The position is based in Lagos, Nigeria.

What qualification is required?

Applicants should have a Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related field. An MBA or professional certification is an added advantage.

How much experience is required?

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

What industries are most relevant for this position?

Experience in banking, microfinance, fintech lending, or other financial services organisations is highly relevant.

Is there an application deadline?

No application deadline has been announced. Interested applicants are encouraged to submit their applications as soon as possible.

Disclaimer

AfriJobSpace publishes verified job opportunities to help job seekers discover employment across Nigeria. We are not the hiring organization and do not participate in the recruitment process.

We never request payment from applicants for job opportunities. Always apply through the employer’s official application channel and verify any recruitment communication before sharing personal information.

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