Head of Collections

Aion belongs to one of the largest financial groups in Europe serving over 15 million Clients including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams acting as the Groups pan-European innovation hub.

We are creating ultra-fast and transparent banking with an all-in-one application and new opportunities for all Clients - individual business and corporate.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration engagement and achieving ambitious goals.

TheHead of Collectionsis a strategic leadership role responsible for the entire credit recovery lifecycle. You will lead the strategy to minimize the Cost of Risk and Non-Performing Loans (NPLs) while ensuring a customer-centric approach that complies with the PARI/PERSI regulatory frameworks.

What you will be doing

Collection Strategy & Governance:

• Design and execute end-to-end recovery strategies for Retail and SME portfolios from early-stage delinquency to litigation and write-offs.

Regulatory Ownership (PARI/PERSI):

• Act as the final authority onPARI and PERSI compliance ensuring 100% adherence to legal deadlines and communication protocols to mitigate regulatory risks and BdP sanctions.

• Manage the relationship with theBank of Portugalduring audits or conduct reviews related to credit recovery.

Portfolio Management & NPL Sales:

• Lead the design and implementation of restructuring frameworks for bothRetail and SME portfolios ensuring that workout solutions are financially viable sustainable and aligned with IFRS 9 impairment goals.

• Evaluate and executeNPL portfolio sales managing the due diligence process and relationship with debt buyers.
  

• Experience:10 years in Collections within the Portuguese financial sector with at least 5 years in a senior management role.
  
  

• Soft Skills:Exceptional negotiation skills strategic vision and the ability to lead high-pressure teams.
  
  

• Communication skills:Clear and structured verbal and written communication.
  
  

• Time management:Ability to work efficiently in a high-volume deadline-driven environment.
  
  

• Team player:Strong collaboration skills and willingness to work across functions and geographies.
  
  

• Regulatory knowledge:Understanding of PARI-PERSI regulations and compliance standards.
  
  

• Language skills:Must be able to communicate well inEnglish
  
  

• Education:Bachelors or Masters degree in Finance Economics Statistics Mathematics Computer Science Econometrics or a related field (nice to have).

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us we encourage you to apply - even if youre not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!