Credit Manager - Cotonou (Benin Republic)
Permanent - Full TimeJob Overview
Location: Cotonou, Benin
About the role:
About the role:
The Credit Manager - Benin position is a field based role under the Global Risk and Credit team in Benin. The role holder will be responsible 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
Assess portfolio performance:
- Identifying and classifying customers at risk of default through data review and direct client interaction.
- Identification of portfolio Reflags and timely reporting of the same.
- Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
- Comprehending regional/Area trends, specific Product trends and proposing remedies to avert any 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 a field-based approach collection strategies through the field teams to improve 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, review information collected and propose changes that will improve Sun King Benin market position in terms of both sales and collections.
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, review information collected and propose changes that will improve Sun King Benin market position in terms of both sales and collections.
Any other task allocated by the Regional Credit Manager/Risk Senior Management team in relation to the role scope from time to time.
Skills, Knowledge and Expertise
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, organizational and critical thinking 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/manage projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them.
- Strong people management skills to drive and motivate a team of professionals.
- Excellent presentation and communication skills, both verbal and written expression.
- Social skills and stakeholder management: Ability to engage effectively with key stakeholders, working in partnership to ensure sound business outcome.
- Outstanding planning and organizational skills.
- Ability to work by oneself with minimum supervision.
- Willingness to spend 70% of the time in the field.
- High level of integrity and discretion.