Head of Credit and Operations at Bayes

• To oversee and manage the overall business operations, driving strategic growth initiatives while ensuring operational  excellence across all departments. The Head of Credit and Operations will work closely with the General Manager to  implement the company's vision and objectives. 

Key Responsibilities 

• Strategic Leadership 
• Collaborate with the General Manager to develop and execute the company's long-term strategy and  annual business plans. 
• Identify and pursue new business opportunities and partnerships to drive growth 
• Analyse market trends and competitor activities to inform strategic decision-making 
• Lead change management initiatives to support the company's evolution and growth 
• Operational Management 
• Oversee all operational aspects of the business, including credit, collections, customer care, and other  key functions 
• Optimize processes and systems to improve efficiency, productivity, and scalability 
• Oversee development and implementation of policies and procedures that ensure operational  excellence 
• Monitor and analyse key performance indicators (KPIs) across all departments, taking corrective actions  as needed 
• Documentation of processes (policies and SoPs) 
• Financial Management 
• Work with the Finance team to develop and manage budgets for all departments 
• Monitor financial performance and ensure the company meets its financial objectives 
• Identify cost-saving opportunities and implement measures to improve profitability 
• Provide financial insights and recommendations to the GM and Board of Directors 
• Risk Management and Compliance 
• Ensure compliance with all relevant regulations and internal policies 
• Oversee the development and maintenance of robust risk management frameworks 
• Monitor and mitigate operational, credit, and other business risks 
• Stay informed about regulatory changes and their potential impact on the business 
• Team Leadership and Development 
• Lead, mentor, and motivate a high-performing executive team 
• Foster a culture of innovation, accountability, and continuous improvement 
• Ensure effective communication and collaboration across all departments 
• Stakeholder Management 
• Represent the company in high-level meetings with partners, investors, and regulatory bodies 
• Build and maintain strong relationships with key stakeholders 
• Communicate company performance and strategic initiatives to the Board of Directors 
• Business development 
• Identify and pursue strategic partnerships with financial institutions, fintech companies, and other relevant  organisations to expand BAYES' market reach and service offerings. 
• Negotiate and structure partnership agreements that align with BAYES' growth objectives and risk tolerance. 
• Create and implement strategies to build a robust ecosystem around BAYES' digital lending platform. 
• Lead regular partner reviews and strategy sessions to continuously improve collaboration and identify new  opportunities for growth 
• IT 
• Leveraging technology to drive business growth and enhance our digital lending platform 
• Identify emerging technologies that can provide competitive advantages in the digital lending space 
• Collaborate with tech teams to ensure seamless integration of new features into existing platforms 
• Ensure all new IT developments comply with financial regulations and data protection laws 

Key Performance Indicators: 

• Overall business growth (revenue, customer base, market share) 
• Operational efficiency metrics 
• Financial performance (profitability, cost management) 
• Risk management effectiveness (portfolio quality, compliance) 
• Employee engagement and retention 
• Customer satisfaction and loyalty 
• Innovation and new product development 

Qualifications and Experience 

• Bachelor's degree in Business Administration, Finance, or a related field. 
• Minimum of 10 years of experience in senior management roles within the Microfinance, Financial  services industry. 
• Proven track record of driving business growth and operational excellence overtime. 
• Strong understanding of credit risk, lending operations, and regulatory compliance. 
• Excellent leadership,managing a diverse team, communication, and problem-solving skills. 
• Strategic thinker with the ability to translate vision into actionable plans. 
• Results-oriented with a commitment to continuous improvement. 
• Competencies 
• Strategic thinking and business acumen. 
• Financial management and analysis. 
• Operational excellence and process optimization. 
• Risk management and compliance 
• Leadership and team development. 
• Stakeholder management and communication. 
• Adaptability and change management. 
• Innovation and creativity.