Credit Manager, Customer Management at Apollo Agriculture

About the Role

Apollo is seeking an experienced and analytically driven professional to lead the customer management strategy of our credit and financing products for small scale farmers. The Credit Manager, Customer Management is accountable for improving the profitability of the portfolio by increasing repeat usage, renewal rate and average ticket sizes while managing credit risk. As we expand as a business, the manager will also be accountable for growing the credit organization within the company and be able to manage and retain top talent.

Key Responsibilities

• Customer Management Policy: Maximize portfolio profitability and size by optimizing renewal and cross-sell eligibility policy, and product terms (line, price etc.)
• Monitoring and Control: Develop and maintain a monitoring framework portfolio performance by developing and tracking relevant metrics within proposed control limits. Ensure intent meets execution by developing and maintaining an implementation monitoring and control framework.
• User Research: Identify and execute user research through in-person visits and surveys for target consumers (farmers) to inform the policy design
• Cross Functional Collaboration: Work with our collections, acquisition, product, logistics & distribution, sales, and customer support teams to ensure that all systems support smooth implementation and launch of strategies
• Team Development: Develop the credit team by identifying, recruiting and retaining great talent and be accountable for the team’s and team member’s growth and development.
• Learning agenda and experiments: Drive the credit risk learning agenda by ensuring relevant design of experiments and control of experimentation risk and budget.

Does this sound like you?

• Are a professional with advanced knowledge of credit and risk management with 8-12 years of relevant experience. This includes: 1) Experience in managing a consumer lending portfolio and credit risk, preferably for underserved consumers in developing economies; 2) Experience in developing or optimizing credit products (credit cards, line of credit, personal loans etc.) for retail consumers
• Are a data-driven problem solver with experience in using data science and AI to underwrite consumers and make business decisions to optimize profit
• Possess exceptional skill leading, developing and managing high performing teams, with a minimum of 3 years of leadership/managerial experience
• Are an exceptional communicator with the ability to effectively and efficiently communicate complex information and analytical strategy
• An exceptional leader that can influence without authority
• Have a graduate degree in courses requiring and developing analytical problem solving and mathematical ability (e.g. engineering, statistics, mathematics, economics etc.)

Apollo's culture:

• Collaborative team of smart and ambitious people who are dedicated to serving our customers.
• Make magic happen to solve hard problems and always come with solutions when challenges arise.
• Comfortable taking risks that can result in radical scale, and understand that failures are opportunities to learn and improve.
• Considerate listeners and take the time to deeply understand and seek out ideas from the people around us, even when we disagree.
• Offer a dynamic environment that fosters talent, collaboration and growth.
• Take pride in our work and share the responsibility to see it through from conception to deployment.
• Back up our talk with a competitive compensation and benefits package and challenging projects.
• Value autonomy, honesty, transparency, and respect.
• Are excited to hear from you!