Credit Manager, Loss Forecasting and Repayments Strategy at Apollo Agriculture

About the Role:

Apollo is seeking an experienced and analytically driven professional to lead loss forecasting and collection strategy for our credit portfolio designed for small scale farmers. The Credit Manager is accountable to improve profitability by optimizing our loan loss provisioning and improving our collections and repayments processes. 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.

Your Day to Day:

• Loss Forecasting and Provisioning: Develop loan loss provisioning strategy based on expected credit losses and update provisioning requirements for the credit portfolio at required cadence 
• Repayment and Collection Strategy: Optimize the repayments and collection strategy to maximize collection efficiency while ensuring good customer experience
• Hardship strategy: Develop and implement strategies to effectively help customers handle hardships while minimizing losses for the company 
• 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. 

You:

• Are a data-driven problem solver with experience in using data science and AI to underwrite consumers and make business decisions to optimize profit
• Are proficient with SQL and have experience in using data analysis tools (Python, R or SAS), segmentation tools and decision trees to build strategies
• Are a professional with advanced knowledge of credit and risk management with 8-15 years of relevant experience:
• Must have experience in loss forecasting and developing PD, LGD and EAD models for provisioning
• Must have experience in developing and optimizing collections and recovery strategies for a small ticket consumer loans including experience in developing strategies/processes for hardships, settlements, loan restructuring and legal recovery
• Must have experiencein managing a consumer lending portfolio and credit risk, preferably for underserved consumers in developing economies
• Possess exceptional skillleading, developing, and managing high performing teams, with a minimum of 3 years of leadership/managerial experience
• Are an exceptional communicator with the ability to communicate complex information and analytical strategy effectively and efficiently      
• Are 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.)