Consumer Portfolio Manager

Responsible for managing the risk and profitability of a portfolio of credit clients by conducting detailed credit product analyses. Monitors portfolio performance, identifies emerging risks, and provides data-driven recommendations to support sound credit decisions and sustainable growth.

• Coordinate activities of staff members to ensure a smooth and efficient department that reduces the number of cases that are overlooked.
• Oversee the pre-legal collection of outstanding defaulted credit exposures to minimize profit loss while ensuring it is handled appropriately and per company policy.
• Create and implement strategies to increase the number of successful pre-legal collections on outstanding debt.
• Recruit, train and evaluate staff within pre-legal collections to ensure required skill levels.
• Develop goals that complement the overarching business goals of the company and coordinate staff to continually meet and exceed goals.
• Run reports and analyze data pertaining to the department and share with department staff as needed.
• Lead high-performance collections teams to take ownership and accountability of the pre-legal collections focus areas.
• Help build a self-sustaining culture of staff morale, collaboration, effective communication and efficient processes.
• Deliver a quality service level to customers with an aim to retain and rehabilitate clients.
• Support the Senior Pre-Legal Collections Manager with all strategic, process and operational related initiatives necessary to reach departmental targets and goals.

• Hold a bachelor’s degree in Finance, Marketing, Law or another Business-related field.
• Have over 5 years’ experience in Credit and Collections, with a strong understanding of debt recovery processes and relevant regulations within a banking environment.
• Have leadership experience.
• Proficient in Microsoft Office.
• Excellent verbal and communication skills.