Senior Manager Collections & Recoveries (EU Passport required)

About the role

As a Senior Manager of Collections & Recoveries, you will design, implement and optimise end‑to‑end collections strategies for an unsecured credit‑card portfolio. The role balances commercial outcomes with customer fairness while ensuring full compliance with EU regulations.

Key responsibilities

• Own and evolve collections strategies across early, mid and late delinquency stages.
• Define segmentation, treatment paths and contact strategies using behavioural, risk and affordability data.
• Optimise cure, roll and loss rates while enhancing customer experience through data‑driven decisioning.
• Lead strategy development for forbearance, hardship and vulnerability in line with EU regulatory requirements.
• Design champion‑challenger tests, strategy experiments and performance dashboards.
• Track performance of strategies, operational teams and tools, providing senior‑level insights.
• Manage the collections strategy roadmap, balancing commercial results with fairness.

Required profile

• 5+ years in collections strategy, credit risk or recoveries within credit cards or unsecured retail lending.
• Experience with strategy design, testing and optimisation backed by data analytics.
• Ability to translate complex analysis into clear recommendations for senior stakeholders.
• Strong understanding of collections economics, customer behaviour and regulatory constraints.
• Fluency in English; German is a strong plus.
• Willingness to live in Malta or relocate, with regular travel.

Required skills

• Experience with decisioning systems, scorecards and treatment allocation tools.

What we offer

• Competitive salary, benefits and performance‑based bonus.