Job Description

Main Purpose Statement

We are looking for a data-driven specialist to manage the end-to-end execution of debt sales across active and charged off portfolios. This role supports the organization's financial recovery strategy by preparing, valuing, and marketing credit portfolios for sale. This role combines deep analytical insight with stakeholder engagement to optimize recovery outcomes and ensure regulatory compliance. The role acts as the central point of coordination between internal teams (Risk, Finance, Legal, and Recoveries), external bidders, and central group stakeholders.

Key Responsibilities

Debt Sales Strategy & Execution

Drive debt sale strategy in collaboration with the Head of Recoveries and central group stakeholders
Conduct detailed portfolio analysis to determine suitability for sale, optimal segmentation, and pricing strategies
Build and maintain financial models to forecast recovery rates, cash flows, and sale proceeds
Manage the end-to-end sales process for active and charged off portfolios.
Manage buyer engagement by responding to due diligence requests, facilitating engagements, and supporting negotiation discussions
Ensure all activities adhere to the National Credit Act, POPIA, and internal governance frameworks
Prepare and present regular reports on portfolio performance, sale results, and market trends
Identify and implement process improvements to enhance efficiency and maximize recovery value

Internal reviews & Approvals

Review and validate internal sale evaluations, ensuring completeness and accuracy of data
Collaborate with legal, risk, finance, and recoveries teams to align on offers received, contract terms, transaction structure, and documentation
Manage and respond to any follow-up questions or due diligence queries from central teams or bidders

P

roject & Operational Management

Act as project lead for all sales, managing timelines, milestones, responsibilities, and governance documentation
Coordinate operations task required for concluded sales, ensuring all compliance, audit, and system updates are completed within required timeframes
Track and report on sales progress, pipeline, deal performance, and buyer feedback for continuous improvement

Stakeholder Engagement

Act as the key liaison between bidders, internal teams, and group stakeholders throughout the deal cycle
Maintain clear and regular communication with the Head of Recoveries on progress, risk, and decision points
Prepare materials for executive reporting and decision-making, including updates to senior management and governance forums (EDC, Executive Committees)

Key Competencies

Strong analytical and commercial acumen
Knowledge of debt sale structures (spot sales, forward flow agreements)
Ability to manage multiple transactions under tight deadlines
Commercial acumen and strategic mind set for portfolio optimization
Excellent negotiation and stakeholder management skills
Attention to detail

Qualifications, Skills and Exp

erience

Bachelor's degree in Mathematical, Statistical, Business, Economics or related qualification
Min 3-5 years experience in debt sales, recoveries or credit risk within financial services
Prior experience in modelling and evaluations
SAS and SQL experience adventurous
Prior experience managing or executing debt sales (strongly preferred)
Knowledge of NCA, POPIA, and FICA Act