DESCRIPTION
We are pleased to announce the following vacancy in the Credit & Collections department within the Finance division. In keeping with our current business needs, we are looking for a person who meets the criteria indicated below.
Brief Posting Description
Reporting to the Head of Department; Credit & Collections, the individual is responsible for the strategic management of credit risk for all customers through the provision of portfolio-level insight, reporting and analytics; This is through the development, implementation and oversight of the credit risk appetite framework and limits, in alignment with our strategic and financial plans.
Job Responsibilities
Partner with commercial business units to provide data supported insights on new initiatives to expand current capabilities and/or improve existing risk management processes. He/she will work closely with business analytics, scoring and product management teams to grow the credit portfolio.
Derive advanced quantitative analysis to make informed credit risk decisions
Design and development of effective credit risk management models for the mobile lending product
Definition of a collection strategy for each portfolio to optimize portfolio profitability
Continuous research and testing to assure effectiveness of the credit risk models, policies and tools in use by the business
Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics
Ensure business and product heads understand and manage their credit risk responsibilities
Use analytical models to evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in extending credit to them
Analyzing client records and using the data to recommend payment plans
Assess & report credit risk under multiple climate scenarios
Generate periodical Business credit reports & market intelligence
Responsible for management & timely collection of digital product debt portfolio
Define an effective collection strategy for each digital product to optimize cash collection.
Minimize NPL and ensure it is maintained at organization’s acceptable level.
Deliver automation on credit control key processes to enhance efficiency
Spearhead section initiatives towards achieving department key objectives
Preparation and monitoring of section budget
Manage the objective setting & PDR Review Processes
Manage and grow talent within the section
Preparation of Management reports and audit schedules
Driving departmental digitization initiatives to sustain continuous improvement through simplification, automation and automation of processes.
QUALIFICATIONS
A Bachelor of Commerce honors Degree from a recognized University. A Post Graduate Degree, CPA (K), ACCA ACA will be an added advantage.
Relevant professional qualification/Certification in Credit Management preferably Diploma in Credit Management.
Must have 8 years’ experience in Credit and/or Risk Management in a busy environment of which 4 years should be in a Management level with proven track record.
Proven experience in understanding on debt acquisition and management
Proven experience in team leadership
Demonstratable strong numeric and analytical skills
Proven communication and presentation skills, including messaging skills, applied confidently and consistently in a high-pressure environment
Organizational and project management experience and the drive to lead projects to successful outcomes
Effective networking skills and the clear experience quickly building trust and rapport with internal and external stakeholders
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