Head of Collection & Recovery - Credit Cards

* Spearhead the development and execution of comprehensive collection and recovery strategies to drive portfolio resilience and minimize losses. * Architect and implement early warning systems to identify high-risk accounts, preventing roll-forward deterioration and ensuring proactive decision-making. * Drive the analysis of delinquency trends, roll rates, vintage performance, and charge-off trends to inform data-driven decisions and optimize collection efforts. * Lead and manage high-performing teams, including Unit Managers and the entire Collection & Recovery team, to ensure productivity, efficiency, and adherence to ethical standards. * Design and optimize allocation strategies, segmentation models, and treatment paths to maximize recovery and minimize losses. * Collaborate with internal Legal teams and external partners to coordinate legal recovery efforts, ensuring timely resolution of cases and effective management of external relationships. * Champion compliance with regulatory requirements, industry standards, and organizational policies, ensuring the protection of customer rights and data privacy. * Develop and maintain robust MIS and analytics capabilities, providing actionable insights and reporting to senior management to inform strategic decision-making. * Foster a culture of accountability, discipline, and results orientation within the collections team, driving continuous capability development and performance improvement. * Manage and oversee the preparation and presentation of daily, weekly, and monthly reports on delinquency movement, recovery performance, and portfolio health, ensuring data accuracy and integrity. * Build and maintain strong relationships with internal stakeholders, including senior management, to ensure alignment and support for collection and recovery strategies.