bluedoor data·Job Postings API·bluedoor.sh ↗

HomeCompaniesNovumbankSenior Manager Collections & Recoveries (Hold an EU Passport)

Senior Manager Collections & Recoveries (Hold an EU Passport)

Novumbank · Malta, Msida, MSD 1421, Malta · Active · BambooHR

Job facts

FieldValue
CompanyNovumbank
TitleSenior Manager Collections & Recoveries (Hold an EU Passport)
Normalized title-
Department / team-
LocationMalta, Msida
Work model-
Employment typeFull Time
Salary-
Statusactive
ATS providerBambooHR
Posted / first seen2026-02-03 / 2026-05-30
Changed / last seen2026-05-30 / 2026-06-06

Related slices

PageWhat it containsOpen
Company jobsActive postings from Novumbank.Open
Company breakdownsRole, location, ATS, and work model facets for this company.Open
ATS provider jobsActive postings observed through BambooHR.Open
Provider filtered searchThe same provider as a filtered job collection.Open
City jobsActive postings in Malta.Open
Lifecycle eventsOpen, update, close, and reopen events for this posting.Open
Original postingCanonical source or apply URL captured from the ATS.Open

Linked records

CompanyNovumbank
Sourcecd4e8e35-0c76-40c5-a27b-bd4c407fc2f6
ATS providerBambooHR

Description

Senior Manager Collections & Recoveries (Hold an EU Passport) Overview: Role Purpose: As Collections Strategy Senior Manager, you will be accountable for designing, implementing and optimising the end-to-end collections strategies across the credit card portfolio. The role focuses on improving customer outcomes, maximising recoveries and minimising credit losses while ensuring full compliance with EU regulation. You will lead projects expanding product and tool functionalities, experimenting with strategies and treatments to drive results. Key Responsibilities: Own and evolve collections strategies across early/pre, mid and late delinquency for unsecured credit card portfolio. Define segmentation, treatment paths and contact strategies using behavioural, risk and affordability data. Optimise cure rates, roll rates, loss rates and customer experience through data-driven decisioning. Lead strategy development for forbearance, hardship and vulnerability in-line with EU regulatory requirement. Design champion/ challenger tests, strategy experiments (with Analytics) and performance dashboards (with BI team). Track performance of strategies, operational teams and systems/ tools. Provide senior-level insights and recommendations. Manage and prioritize the collections strategy roadmap, balancing commercial outcomes with customer fairness. Key Skills & Experience: 5+ years’ experience in collections strategy, credit risk or recoveries, within credit cards or unsecured (retail) lending. German market a strong plus. Proven experience with strategy design, testing and optimisation underpinned by data analytics. Ability to translate complex analysis into clear strategic recommendations for senior stakeholders. Strong understanding of collections economics, customer behaviour and regulatory constraints of an unsecured retail banking product. Experience working with decisioning systems, scorecards and treatment allocation tools. Excellent stakeholder management skills across multiple different levels. Written and verbal fluency in English required and in German a strong positive. Living in Malta or being able to relocate / travel regularly. Behaviors: Strategic thinker with a strong customer-centric mindset. Comfortable operating in regulated, fast-paced environment with multiple priorities. Influential leader who can drive change and take initiative. High attention to detail with strong governance and risk awareness. Excellent Salary + Benefits + Bonus We Are Keen to Meet You! Please Apply Now and our 'Recruitment Team' will reach out to you directly.

Full job record

Job IDba40fa2f98109263ca5aeca31d983879aadcd837
Org ID33e06eb4-1e72-42e5-9975-7e9f0f5a4b8e
Source IDcd4e8e35-0c76-40c5-a27b-bd4c407fc2f6
Board IDcd4e8e35-0c76-40c5-a27b-bd4c407fc2f6
Providerbamboohr
Provider Job Key126
TitleSenior Manager Collections & Recoveries (Hold an EU Passport)
Normalized Title
Statusactive
Activeyes
Location TextMalta, Msida, MSD 1421, Malta
Department
Team
Employment Typefull_time
Workplace Type
Remote Policy
Country
RegionMsida
CityMalta
Salary Raw
Salary Min
Salary Max
Salary Currency
Salary Period
Source URLhttps://novumbank.bamboohr.com/careers/126
Apply URLhttps://novumbank.bamboohr.com/careers/126
First Seen At2026-05-30 06:05:54Z
Last Seen At2026-06-06 10:29:22Z
Last Checked At2026-06-06 10:29:22Z
Last Changed At2026-05-30 06:05:54Z
Inactive At
Source Posted At2026-02-03 00:00:00Z
Source Updated At
Raw Payload Uris3://job-postings-prod-raw-590183727216/raw/provider=bamboohr/board=novumbank/date=2026-06-06/2026-06-06T10-29-19-772Z-d485ee99c318f2ce231d87e9f5e571235ecaaf9e0c9d41d25387e0735764d55c.json
Event Fields
{
  "content_hash": "ffcbc821b3b48fb3ac4d38be3125c400fbc043e4e4e74dceb9e0f53e4abfd143",
  "source_hash": "688bd3eea15caf83135f1f30d90309de641d50eca16da1f90e8d442e77960cff",
  "last_changed_at": "2026-05-30T06:05:54.570Z",
  "active_status": "active"
}
Parsed Structured
{
  "language": "en",
  "location": {
    "raw": "Malta, Msida, MSD 1421, Malta",
    "city": "Malta",
    "region": "Msida",
    "country": null,
    "is_remote": false,
    "confidence": 0.8
  },
  "salary_max": null,
  "salary_min": null,
  "inferred_at": "2026-06-06T10:29:22.478Z",
  "launch_scope": {
    "reason": "bamboohr_production_catalog",
    "included": true,
    "location": {
      "raw": "Malta, Msida, MSD 1421, Malta",
      "city": "Malta",
      "region": "Msida",
      "country": null,
      "is_remote": false,
      "confidence": 0.8
    },
    "countries": []
  },
  "remote_policy": null,
  "salary_period": null,
  "workplace_type": null,
  "salary_currency": null
}
Extensions
{}
Native Structured
{
  "list_job": {
    "id": "126",
    "isRemote": null,
    "location": {
      "city": "Malta",
      "state": "Msida"
    },
    "atsLocation": {
      "city": null,
      "state": null,
      "country": null,
      "province": null
    },
    "departmentId": null,
    "locationType": "0",
    "jobOpeningName": "Senior Manager Collections & Recoveries (Hold an EU Passport)",
    "departmentLabel": null,
    "employmentStatusLabel": "Full-Time"
  },
  "detail_errors": [],
  "detail_job_opening": {
    "location": {
      "city": "Malta",
      "state": "Msida",
      "postalCode": "MSD 1421",
      "addressCountry": "Malta"
    },
    "datePosted": "2026-02-03",
    "atsLocation": {
      "city": null,
      "state": null,
      "country": null,
      "countryId": null
    },
    "description": "<p><span style=\"color: rgb(25, 63, 102); font-size: 12pt\"><span style=\"font-weight: bold\"><span style=\"color: rgb(8, 91, 174)\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt; font-weight: bold\"><span style=\"font-size: 14pt; font-weight: bold\"><span style=\"font-size: 14pt\">                                                 <img width=\"70\" height=\"70\" src=\"data:image/png;base64,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\" alt=\"image\"></span></span></span></span></span></span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 12pt\"><span style=\"font-weight: bold\">Senior Manager </span><span style=\"font-weight: bold\">Collections &amp; Recoveries (Hold an EU Passport)</span></span></p>\n<p><span style=\"color: rgb(25, 63, 102); font-size: 12pt; font-weight: bold\">Overview:</span></p>\n<p><br></p>\n<ul></ul>\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)\">As Collections Strategy Senior Manager, you will be accountable for designing, implementing and optimising the end-to-end collections strategies across the credit card portfolio. The role focuses on improving customer outcomes, maximising recoveries and minimising credit losses while ensuring full compliance with EU regulation. You will lead projects expanding product and tool functionalities, experimenting with strategies and treatments to drive results.</span></p>\n<p><br><br></p>\n<p><br><br></p>\n<p><span style=\"color: rgb(25, 63, 102); font-weight: bold\">Key Responsibilities:</span></p>\n<ul>\n<li><span style=\"color: rgb(25, 63, 102)\">Own and evolve collections strategies across early/pre, mid and late delinquency for unsecured credit card portfolio.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Define segmentation, treatment paths and contact strategies using behavioural, risk and affordability data.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Optimise cure rates, roll rates, loss rates and customer experience through data-driven decisioning.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Lead strategy development for forbearance, hardship and vulnerability in-line with EU regulatory requirement.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Design champion/ challenger tests, strategy experiments (with Analytics) and performance dashboards (with BI team).</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Track performance of strategies, operational teams and systems/ tools. Provide senior-level insights and recommendations.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Manage and prioritize the collections strategy roadmap, balancing commercial outcomes with customer fairness.</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<ul>\n<li><span style=\"color: rgb(25, 63, 102)\">5+ years’ experience in collections strategy, credit risk or recoveries, within credit cards or unsecured (retail) lending. German market a strong plus.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Proven experience with strategy design, testing and optimisation underpinned by data analytics.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Ability to translate complex analysis into clear strategic recommendations for senior stakeholders.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Strong understanding of collections economics, customer behaviour and regulatory constraints of an unsecured retail banking product.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Experience working with decisioning systems, scorecards and treatment allocation tools.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Excellent stakeholder management skills across multiple different levels.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Written and verbal fluency in English required and in German a strong positive.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Living in Malta or being able to relocate / travel regularly.</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)\">Strategic thinker with a strong customer-centric mindset.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Comfortable operating in regulated, fast-paced environment with multiple priorities.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">Influential leader who can drive change and take initiative.</span></li>\n<li><span style=\"color: rgb(25, 63, 102)\">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 + Benefits + Bonus</span></p>\n<p><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>\n<p><br></p>\n<p><br></p>",
    "compensation": null,
    "departmentId": null,
    "locationType": "0",
    "seekPromoted": false,
    "jobCategoryId": null,
    "jobOpeningName": "Senior Manager Collections & Recoveries (Hold an EU Passport)",
    "departmentLabel": "",
    "jobOpeningStatus": "Open",
    "minimumExperience": "Experienced",
    "jobOpeningShareUrl": "https://novumbank.bamboohr.com/careers/126",
    "employmentStatusLabel": "Full-Time"
  }
}
Get this page with API

Rendered from the bluedoor Job Postings API. Reproduce it:

GET https://api.bluedoor.sh/job-postings/v1/jobs/ba40fa2f98109263ca5aeca31d983879aadcd837?include=descriptionJSON
GET https://api.bluedoor.sh/job-postings/v1/orgs/33e06eb4-1e72-42e5-9975-7e9f0f5a4b8eJSON
GET https://api.bluedoor.sh/job-postings/v1/sources/cd4e8e35-0c76-40c5-a27b-bd4c407fc2f6JSON
GET https://api.bluedoor.sh/job-postings/v1/jobs/ba40fa2f98109263ca5aeca31d983879aadcd837/eventsJSON