# Head of Collections and Recoveries

> TopFloor · Lusaka, Zambia · Full-time · Posted 2026-06-19

**Workplace:** on_site

## Description

Our client, a registered Non-Bank Financial Institution is looking to hire a strategic, data-driven and highly experienced Head of Collections and Recoveries. This role provides leadership in optimizing portfolio performance, strengthening recoveries processes, and driving sustainable credit risk management across the business.

**Key Responsibilities**

-   Develop and execute a comprehensive collections and recoveries strategy aligned to overall business objectives.
-   Ensure full cascading of strategy, KPIs and performance expectations across the team.
-   Lead high-performance initiatives that strengthen productivity, motivation and accountability.
-   Leverage data analytics, customer insights and portfolio trends to optimize recoveries and minimize impairments.
-   Continuously review and improve policies, processes and systems to enhance operational efficiency.
-   Design and implement effective tools for real-time reporting, action tracking and customer service management.
-   Identify high-risk late-stage accounts and implement decisive strategies for rehabilitation or asset realization.
-   Develop competitive incentive programs that drive strong staff performance and collections results.
-   Oversee asset realization processes in secured collections to ensure profitability and adherence to policy.
-   Manage and strengthen relationships with regulators, partners, legal service providers and other key stakeholders.

## Requirements

-   Bachelor’s degree in Banking, Finance, Business, Accounting or related field.
-   Masters in the same fields is preferred.
-   Valid Membership with Zambia Institute of Banking & Financial Services (ZIBFS) and / or Zambia Institute of Chartered Accountants (ZICA) or Zambia Institute of Credit Management.
-   Working knowledge of IFRS 9 and its practical application in credit provisioning.
-   Minimum 7 years of relevant work and leadership experience within finance department, with at least 3 of those years in collections and recoveries.
-   Experience working in banking or a regulated financial institution environment.
-   Proven success in leading high-performing recoveries teams and delivering strong portfolio outcomes.
-   Strong understanding of regulatory compliance and credit risk frameworks.
-   Exceptional leadership, communication and stakeholder management skills.[](https://www.zica.co.zm/)

**How to Apply**

Interested candidates should submit their application before 20th June 2026. Only shortlisted candidates will be contacted.

**TopFloor Limited does not charge candidates for job placement.**

## Apply

[Apply at TopFloor](https://apply.workable.com/topfloor-1/j/B1857C0A8D/apply)

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