Credit Management Jobs, Jobs in Kenya,
Credit Collections Lead
Role Summary:
- As a Credit Collections Lead, you will be expected to manage the day-to-day operations of the company’s collections department across all markets. You will oversee a team of individuals to achieve the following performance metrics designed to maintain the Pezesha portfolio quality at all times by ensuring;
- Customers pay as at when due
- High recovery rates on late loans
- Credit product and scoring iteration from customers feedback
- Resolution of reconciliation issues
- Maintain high degree of efficiency within the collections team
Key responsibilities:
- Manage the PAR buckets collections process across all operational markets by ensuring the implementation of collections processes and policies and monitoring the performance of the collections team across all operational markets
- Identify and manage collections transition stages across NPL and write offs
- Design periodic experiments to achieve portfolio quality targets with the data team
- Monitor qualitative trends in not due portfolio to identify potential risk factors
- Manage external debt collectors to achieve stated collections targets
- Collaborate with In-house legal to pursue claims on defaulted collateralised clients
- Maintain weekly reporting on PAR transitions across different buckets and underlying repayment behavior
- Manage customer feedback loop and ensuring implementation of results to improve customer service, loan products and credit scoring
- Ensure resolution of reconciliation issues between the collection team, the finance team and the tech team
- Collaborate with Data and Finance team to iterate credit risk policy, especially to ascertain provisions staging of loan receivables and write-off of Stage 3 impaired assets
- Directly managing key customer accounts as assigned by the COO
- Recommending ways to improve collections processes to management
The skills you’ll bring include:
- Bachelor’s degree
- Minimum of 6 (Six) years of commercial banking credit portfolio management experience, preferably within a post-seed Fintech
- Must have owned and demonstrated a continuous process improvement KPIs in the last 3 (three) years of work experience
- Must have strong leadership, interpersonal and communication skills
- Experience in assessing a business’s financial performance and key risk indicators, managing credit lines, identifying credit solutions
SME Credit Officer
Primary job description
- Onboarding, vetting and evaluation of potential SMEs/Merchants to be funded by Pezesha on a regular basis using our internal processes and standards and hitting set targets to ensure growth and scale
- Assess SMEs creditworthiness and risks by evaluating their financial information and ratios
- Onboard, manage and retain SME related to partners
- Marketing & Financial education in relation to SMEs needs and support
- Provide customer care support via calling and follow up with potential and funded SMEs on additional information required as well as repayments of loans for those successfully funded by Pezesha
- Portfolio management
- Monitor and update SME loan accounts and information on the dashboard
- Drive strategic sales, scale and growth in assigned portfolios
- Execute on strategic experiments to drive growth in assigned portfolios
- Daily analytics and reporting on assigned portfolio performance
Qualifications/Skills
- At least a graduate of Commerce or Accounting or Finance or a related field
- Solid understanding of credit risk processes and standards
- Basic computer skills and a quick learner
- At least 3 years of professional work experience in credit operations as a relationship officer or part of the credit risk team
- ADDED ADVANTAGE: Credit Operations & SME evaluations experiences from a bank or Fintech environment.
- ADDED ADVANTAGE: Strong Accounting and analytical skills with more than 2 years experience
- Proficiency in excel skills or working with spreadsheets
- Ability to manage multiple projects and self drive toward targets while ensuring quality output and prioritisation.
- Excellent verbal and written communication and interpersonal skills
- High level of interpersonal maturity, hardworking, and professionalism
- Unwavering commitment to service and customer orientation
- Team player who demonstrates positive attitude, creativity, energy, dedication to collaboration and patience and with a high degree of integrity
- In-depth knowledge of the Financial industry (Fintech) and its current events in Kenya
- Attention to detail
- Excellent time management and organisation
Method of Application
Please send a single pdf file containing a brief and bullet-pointed cover letter and your CV on the subsequent page(s) with “Ref: 2024-Credit Collections Lead as the subject of your email to jobs@pezesha.com. The applicants who do not indicate THE REF NO and job title will be automatically disqualified. Interviews will be done on a rolling basis.