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Senior Manager Collections & Recoveries (Hold an EU Passport)
Novumbank · Malta, Msida, MSD 1421, Malta · Active · BambooHR
Job facts
| Field | Value |
|---|---|
| Company | Novumbank |
| Title | Senior Manager Collections & Recoveries (Hold an EU Passport) |
| Normalized title | - |
| Department / team | - |
| Location | Malta, Msida |
| Work model | - |
| Employment type | Full Time |
| Salary | - |
| Status | active |
| ATS provider | BambooHR |
| Posted / first seen | 2026-02-03 / 2026-05-30 |
| Changed / last seen | 2026-05-30 / 2026-06-06 |
Related slices
| Page | What it contains | Open |
|---|---|---|
| Company jobs | Active postings from Novumbank. | Open |
| Company breakdowns | Role, location, ATS, and work model facets for this company. | Open |
| ATS provider jobs | Active postings observed through BambooHR. | Open |
| Provider filtered search | The same provider as a filtered job collection. | Open |
| City jobs | Active postings in Malta. | Open |
| Lifecycle events | Open, update, close, and reopen events for this posting. | Open |
| Original posting | Canonical source or apply URL captured from the ATS. | Open |
Linked records
| Company | Novumbank |
| Source | cd4e8e35-0c76-40c5-a27b-bd4c407fc2f6 |
| ATS provider | BambooHR |
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 ID | ba40fa2f98109263ca5aeca31d983879aadcd837 |
| Org ID | 33e06eb4-1e72-42e5-9975-7e9f0f5a4b8e |
| Source ID | cd4e8e35-0c76-40c5-a27b-bd4c407fc2f6 |
| Board ID | cd4e8e35-0c76-40c5-a27b-bd4c407fc2f6 |
| Provider | bamboohr |
| Provider Job Key | 126 |
| Title | Senior Manager Collections & Recoveries (Hold an EU Passport) |
| Normalized Title | — |
| Status | active |
| Active | yes |
| Location Text | Malta, Msida, MSD 1421, Malta |
| Department | — |
| Team | — |
| Employment Type | full_time |
| Workplace Type | — |
| Remote Policy | — |
| Country | — |
| Region | Msida |
| City | Malta |
| Salary Raw | — |
| Salary Min | — |
| Salary Max | — |
| Salary Currency | — |
| Salary Period | — |
| Source URL | https://novumbank.bamboohr.com/careers/126 |
| Apply URL | https://novumbank.bamboohr.com/careers/126 |
| First Seen At | 2026-05-30 06:05:54Z |
| Last Seen At | 2026-06-06 10:29:22Z |
| Last Checked At | 2026-06-06 10:29:22Z |
| Last Changed At | 2026-05-30 06:05:54Z |
| Inactive At | — |
| Source Posted At | 2026-02-03 00:00:00Z |
| Source Updated At | — |
| Raw Payload Uri | s3://job-postings-prod-raw-590183727216/raw/provider=bamboohr/board=novumbank/date=2026-06-06/2026-06-06T10-29-19-772Z-d485ee99c318f2ce231d87e9f5e571235ecaaf9e0c9d41d25387e0735764d55c.json |
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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 & 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 & 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>",
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