Head of Collections & Recoveries - Credit Cards (Requires an EU Passport)

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    "description": "<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Head of Collections &amp; Recoveries - Credit Cards (Requires an EU Passport)</span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Work Location: Malta</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Role Purpose: </span></p>\n<p><span style=\"color: rgb(25, 63, 102)\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">We’re looking for a high-potential, hands-on leader ready to take the next step and join Extra Karte as Head of Collections &amp; Recoveries.</span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">This is a build-and-shape role within a fast-growing credit card business. You’ll have end-to-end ownership of collections and recoveries across the portfolio — from early arrears to late-stage recoveries — with the freedom to rethink how things are done and the accountability to make them work.</span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">You’ll define and evolve the collections strategy, turn data and insight into action, and lead execution on the ground. The focus is on driving sustainable reductions in credit losses while delivering fair, transparent customer outcomes and meeting regulatory expectations — without losing speed or innovation.</span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\"> </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">We’re looking for someone who is comfortable rolling up their sleeves, challenges the status quo, and wants to grow into a senior leadership role as the business scales. This is a chance to build modern, tech-enabled collections that balance performance, compliance, and customer experience in a genuinely digital environment.</span></p>\n<p><span style=\"color: rgb(25, 63, 102)\">  </span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Key Responsibilities:</span></p>\n<p><br></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Own and set the end-to-end collections and recoveries vision across early/pre, mid and late-stage delinquency, including post charge-off.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Take full accountability for portfolio performance, including arrears, roll rates, cure rates and recoveries — actively monitoring outcomes and escalating where required.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Design and embed customer-centric, compliant treatment frameworks, including forbearance, hardship and vulnerability, in line with EU regulatory standards.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Lead the collections operating model across internal teams and third-party partners, ensuring performance, consistency and scalability.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Own the vendor strategy for external DCAs, including selection, commercial models, performance management and remuneration structures.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Lead the design and governance of policies, controls and conduct standards, ensuring fair customer treatment and strong regulatory adherence.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Partner closely with internal stakeholders to drive data-led decisioning, segmentation and continuous optimisation.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Champion digital automation and innovation, improving efficiency, scalability and customer experience through emerging technologies.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Build, lead and develop a high-performing collections leadership team, creating a culture of ownership, accountability and continuous improvement.</span></li>\n</ul>\n<p><br><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Key Skills &amp; Experience:</span></p>\n<p><br></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">8+ years’ experience in collections, recoveries or credit risk, with leadership responsibility in unsecured (retail) lending or credit cards.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Strong working knowledge of EU consumer credit regulation, conduct risk and data privacy requirements.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Demonstrated ownership of P&amp;L level outcomes or material loss budgets.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Proven experience of managing large operational teams and external partners.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Strong commercial acumen, balancing customer outcomes and risk.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Track record of leading transformation, digitalization or regulatory change in a collections environment.</span></li>\n</ul>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Excellent stakeholder management skills across multiple different levels.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Written and verbal fluency in English and in German is required</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Living in Malta or willing to relocate.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Behaviors:</span></p>\n<p><br></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Senior leader who sets clear direction and drives accountability.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Able to work with and communicate with all levels of the business.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Confident decision-maker with strong judgment in complex, regulated environments.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Influential communicator with the credibility to engage senior stakeholders.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Strategic thinker with a strong customer-centric mindset.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">Comfortable operating in regulated, fast-paced environment with multiple priorities.</span></li>\n<li><span style=\"color: rgb(25, 63, 102); font-size: 10pt\">High attention to detail with strong governance and risk awareness.</span></li>\n</ul>\n<p><br><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Excellent Salary + Bonus + Benefits (Health &amp; Life Insurance) + Collaborative Multinational Working Environment. </span></p>\n<p><br><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">We are keen to meet you! Please Apply Now and our 'Recruitment Team' will reach out to you directly. </span></p>",
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