Current Vacancies at PalmPay

Job Purpose

• The ideal candidate will spearhead the development and execution of credit customer acquisition strategies, optimizing market share through managing diverse channels, analyzing trends, and fostering effective collaborations. This role requires driving marketing campaigns, coordinating promotional activities, and expanding product reach through partnerships. The candidate will excel in monitoring and analyzing acquisition data, providing insightful reports for decision-making, and contributing to organizational growth and competitiveness in the credit industry.

Job Responsibilities:

• Develop and execute credit customer acquisition strategies through various channels to attract potential clients, and enhance the visibility and market share of credit products.
• Manage and maintain online and offline customer acquisition channels, including but not limited to advertisements, partnership relationships, social media, events, etc., ensuring continuous optimization of customer acquisition effectiveness.
• Analyze market trends and competitor situations, providing data support and recommendations for adjusting and optimizing customer acquisition strategies.
• Design and launch attractive marketing campaigns and promotional plans to increase the exposure and appeal of credit products.
• Responsible for planning and organizing credit product promotion activities and participating in the execution and monitoring of marketing events.
• Coordinate and collaborate with partners, conduct joint marketing and promotion activities, and expand the market penetration of credit products.
• Assist in the development and optimization of sales copy and promotional materials, ensuring accurate communication of product information and value propositions.
• Track the customer acquisition process for potential clients, provide timely customer data analysis and feedback, and support the sales team's follow-up work.
• Work closely with the marketing department to jointly develop comprehensive market promotion plans, ensuring the achievement of customer acquisition objectives.
• Analyze customer acquisition data, write acquisition reports, and regularly report customer acquisition operation status and outcomes to management.
• Stay attentive to changes and trends in the credit industry, continuously learn and research customer acquisition methods and strategies, and maintain a competitive advantage in the market.

Job Requirements:

• Bachelor's degree or higher, preferably in Marketing, Finance, Business Administration, or related fields.
• Possess a certain understanding of credit operations or financial market, familiar with credit product characteristics and market demands.
• Strong market insight and data analysis skills, proficient in using analytical tools such as Excel.
• Excellent communication and coordination skills, capable of effective collaboration with internal teams and external partners.
• Creative thinking and marketing planning abilities, able to creatively design captivating customer acquisition activities.
• Possess project management skills, capable of organizing and driving the smooth implementation of customer acquisition projects.
• Familiarity with emerging customer acquisition methods like digital marketing and social media is a plus.
• Strong sense of responsibility and self-driven, able to work under pressure and achieve customer acquisition goals.

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Job Purpose

• The ideal candidate for this role is a strategic thinker with a strong background in credit risk management. They will lead the credit assessment team, ensuring accurate borrower evaluations, participate in decision-making, and monitor the credit portfolio. Responsible for formulating and updating credit policies, ensuring compliance with regulations, and providing risk training to employees. The candidate must stay attuned to market dynamics, adapting risk strategies to accommodate changes and maintain acceptable risk levels in credit activities. The candidate must have an in-depth understanding of the Kenyan financial market, regulations, and the company's strategic goals to effectively manage credit risks.

Key Responsibilities:

Risk Strategy Formulation and Execution:

• Develop the company's credit risk management strategy, ensuring alignment with strategic goals. Supervise and execute the strategy to maintain acceptable risk levels in credit activities.

Credit Assessment and Decision-Making:

• Lead the credit assessment team, ensuring accurate and thorough borrower credit evaluations. Participate in credit decision-making, providing professional advice.

Credit Portfolio Monitoring and Analysis:

• Regularly monitor the company's credit portfolio, utilizing data analysis tools to identify potential risks and providing timely risk reports. Formulate adaptive strategies for market and business changes.

Policy Formulation and Updates:

• Formulate the company's credit policies and promptly update them to adapt to market and regulatory changes. Ensure policy compliance and effectiveness.

Compliance and Audits:

• Responsible for ensuring credit activities comply with relevant regulations. Assist in internal and external audits and compliance checks. Ensure transparency and legality in credit operations.

Risk Training and Education:

• Provide training and education on credit risk management to employees at all levels within the company, ensuring understanding and compliance with relevant policies and procedures.

Market Sensitivity:

• Stay attuned to market dynamics, flexibly adjusting risk strategies to accommodate changes.

Requirements:

• Bachelor's degree or higher in Finance, Economics, Accounting, or a related field.
• Over 3 years of credit risk management experience in financial institutions or related fields, including team management experience.
• In-depth understanding of the Kenyan financial market and regulations, excellent data analysis, and risk management skills.
• Excellent communication and coordination skills, ability to collaborate with different teams and stakeholders.
• Strong leadership skills, ability to motivate team members, and foster teamwork.