Credit Manager at Sun King (Formerly Greenlight Planet)

About the Role:

• The Credit Manager - Kenya position is a field based role under the Global Risk and Credit team in Kenya. The role holder will be accountable for overseeing and managing credit risk & other risks within the Easybuy business. This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance. 

What you would be expected to do

Analyze portfolio performance:

• Systematically identifying high-risk customers and classifying their default probability using data insights and direct outreach.
• Identification of portfolio Reflags and timely reporting of the same
• Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
• Monitoring regional/area trends and specific product performance to identify and implement corrective measures for negative trends

Audit & Compliance: 

• Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc )
• Provide detailed findings with actionable risk mitigation recommendations.

Collections Interventions: 

• Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients onboarded.
• Generate, define, and implement field-based collection strategies through the field teams to enhance collections.
• Review existing policies and their impact on portfolio management and recommend adjustments or updates based on the market trends or field findings.
• Ensure Optimization of Portfolio segmentation is achieved by assigning accounts from different buckets to specific users and propose segmentation changes where necessary.
• Pilot Management: Ensure pilots in the field are well managed and tracked to meet the set success metrics by engaging the relevant stakeholders
• Fraud management: Ensure  investigations into reported fraud cases are done in a timely manner and cases closed within SLA.
• Reporting & Documentation: Prepare comprehensive field reports including data collation, process documentation, and operational insights. Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Perform industry research, interpret data insights, and propose strategies to strengthen Greenlight Planet Kenya Limited’s market position and revenue optimization in sales and collections.
• Any other task allocated by the credit lead/Risk leadership team in relation to the role scope from time to time.

You might be a strong candidate if you have

Academic Qualification & Work Experience

• Bachelor’s Degree in finance, Risk Management or a related business field, over 10 years related experience preferably in the Audit/Risk/Credit/Analytics department with at least 5 years in a supervisory role
• Other relevant certification in Credit Management or Business Analytics/Statistics/ Data/Computer Science is an added advantage.
• Significant knowledge of data collection, field surveys 
• Excellent planning, organisational and analytical skills with strong attention to detail

Personal Attributes

• Self-drive, flexibility, can quickly adapt to change, and able to multitask in a fast-paced environment
• Clear thinking/problem solving ability. Ability to spearhead/lead projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them
• Strong leadership skills to direct and motivate a team of professionals
• Excellent presentation and communication skills, both verbal and written expression.
• Stakeholder engagement and teamwork skills: Ability to work productively with key stakeholders, aligning efforts to deliver strong business results.
• Outstanding planning and organizational skills
• Ability to self-manage work with little oversight
• Willingness to spend 70% of the time in the field.
• High level of integrity and data protection