Credit Manager

Job Description

The role of the Credit Manager is to support the OpCo's customer-facing departments: Commercial, Customer Experience, Field Collections & Aftersales to achieve their respective credit-related targets. They will manage the Uganda team's field collections activities. They will also be responsible for the design, planning, management and implementation of key credit initiatives in other customer-facing departments as well as supporting & guiding management in the continuous improvement of their ongoing credit operations.

Roles & Responsibilities

• Supporting the OpCo customer-facing Teams in the implementation of their credit strategy with the focus on achieving their credit risk & collections targets.
• Oversee the roll out of improvements to credit operations aimed at enhancing credit risk assessment, monitoring & management. This includes development, documentation, communication & rollout of projects for key initiatives, driving their implementation in the field, and coordinating their assessment against agreed success metrics & KPIs.
• Provide general support and guidance to the OpCo Managing Director along with Heads of Departments as they implement credit initiatives and in their day-to-day operations.
• Alongside the relevant training managers, draft training plans, materials & improved procedure documents and support the execution of training to the relevant parties in the field and other stakeholders.
• Provide day-to-day operational management of the Field Collections function in the OpCo.
• Prepare regular updates & reports on projects & performance for the OpCo MD as well as to the Global Credit Operations Manager & Director of Credit Risk & Collections.
• Support the rollout of new Technology tools, Data & BI Dashboards and any features that impact the Field Collections Team, as well as providing up-to-date feedback and suggestions for their continuous improvement from the team's perspective.

Key Performance Indicators (KPIs)

The KPIs for this role cover the full range of credit-related activities of the OpCo, from Credit Assessment through Customer Journey & Credit Risk to Portfolio Quality.

• Early Risk.
• Usage Rate.
• Portfolio at Risk.
• % Paid @ Milestones.
• Winback Rate.
• Delinquency Rate.
• Cash Collection.

Requirements

Skills, Qualifications & Experience

• 5+ years work experience within the PAYGO industry, with working knowledge of credit management
• collections operations and last-mile PAYGo sales best-practices.
• Proven track-record showing an ability to execute tasks on time and to a high standard.
• Excellent interpersonal skills in managing cross-functional teams to deliver complex projects.
• Excellent written and verbal communication skills for coordinating across teams.
• Fluency with computer applications, primarily the Google Suite (Slides, Docs, Sheets)
• Autonomy and initiative; ability to achieve results with little supervision.
• Ability for critical thinking, creativity and initiative to take decisions on-the-spot.
• Required to do regular fieldwork; mostly within Uganda, but also across other d.light OpCos.
• Fluency in English.
• A relevant degree or qualification is an advantage, but not essential for the role.