Strategy & Operations

Own and continuously refine the end-to-end collection strategy across all stages: soft (pre-delinquency to early DPD), middle, and hard collections, aligned to a structured Avoidance → Execution → Value Recovery framework
Define collection triggers, contact strategies, and escalation paths by DPD bucket (e.g. DPD 60+ and DPD 90+ thresholds) in line with legal and provisioning requirements
Segment and prioritize the vehicle-secured portfolio by risk, collateral value, and recoverability to maximize recovery rates and minimize losses
Manage the debt sale process for written-off or aged receivables
Leverage digital tools, dialer/CRM automation, and data analytics to improve contact rates, right-party contact, and overall operational efficiency

Team Leadership

Build, coach, and manage a high-performing collections team across soft collections, hard collections
Set individual and team performance targets (contact rates, promise-to-pay conversion, recovery rate, days-to-repossession) and monitor against plan
Foster a culture of accountability, resilience, and continuous improvement; develop negotiation, de-escalation, and field-operations skills across the team
Conduct regular performance reviews, one-to-ones, and structured feedback; identify and develop future team leads

Analyze collection and repossession performance data (funnel conversion by stage, aging, vintage, channel effectiveness) and present regular reports to CEO
Make data-driven decisions to reallocate resources between soft and hard collection channels, and to refine referral timing to Legal, based on observed recovery economics
Use CRM and collection management systems, together with BI/reporting tools, to track trends, flag emerging risks, and forecast recovery outcomes

Bachelor’s or Master’s degree in Finance, Economics, Law, or a related field
Minimum 5 years of experience in debt collection, credit risk, or asset recovery, including at least 3
years in a managerial role
Prior experience in banking, leasing, auto finance, or microfinance organizations strongly preferred
Direct experience with secured/collateral-based lending and physical asset recovery (vehicles, equipment, or similar) is a strong advantage

In-depth knowledge of NPL portfolio management and the pre-legal collection lifecycle, from soft collections through non-judicial repossession
Practical experience with in-house collection strategies, vehicle repossession operations, and coordinating case handover with a Legal function
Advanced Excel skills; experience with BI tools and analytical dashboards is an advantage
Working knowledge of Georgian legislation relevant to secured lending and consumer

Personal Attributes

Strong leadership and people-management skills — able to inspire and develop a cross-functional team, including field-based staff
Results-oriented with a high sense of accountability and ownership over portfolio outcomes
Able to remain calm, decisive, and effective in high-pressure
Ethical mindset — firm commitment to compliant, values-based collection and repossession practices

Excellent written and verbal communication skills in Georgian and English.