Qualifications

• First Degree in Business Commerce, Finance, Accounting, Banking or related field.
  
• Postgraduate qualification in Credit Risk Management, Business Management or Law (Preferred).
  
• 7–10 years’ experience in banking, with significant exposure to Business & Commercial Banking credit risk, recoveries or restructuring
  
• Proven experience managing distressed loan portfolios, restructurings and legal recoveries.
  
• Experience leading teams and managing senior internal and external stakeholders.
  
• Understanding of the products and services features, benefits and pricing of the products and services on offer to the business across multiple business areas.
  

• Execute the Business & Commercial Banking Recoveries and Rehabilitation strategy in alignment with overall BCB and Group Credit Risk objectives.
  
• Manage non-performing and distressed BCB loan portfolios, including term loans, overdrafts, asset finance and structured facilities.
  
• Drive portfolio segmentation strategies (early arrears, distressed, legal, rehabilitation) to maximise recoveries and client rehabilitation outcomes.
  
• Analyse portfolio trends, risk indicators and recovery performance to proactively address emerging risks. Develop and implement sustainable rehabilitation solutions for viable BCB clients, including restructuring, rescheduling and workout arrangements.
  
• Ensure full compliance with credit policies, recovery procedures, regulatory requirements and governance standards.
  
• Lead, coach and develop Recoveries & Rehabilitation team members through a hands-on, performance-driven management approach.
  
• Build and maintain strong working relationships with BCB Relationship Managers, Credit Risk, Legal, Collections, Finance and Operations teams.
  
• Drive operational efficiencies through improved processes, systems usage and data-driven decision-making, Strategic & Portfolio Management