Associado de Operações de Crédito

This role will support the Credit Operations Senior Manager and the wider Global Credit team in driving the execution, tracking and institutionalization of credit initiatives across d.light's OpCos. The role will combine credit performance analysis, project coordination, operational follow-up, reporting, documentation and stakeholder coordination. The Associate will help ensure that global credit initiatives move from design to implementation effectively, performance is tracked consistently, learnings and best practices are captured and shared across markets.

Roles & Responsibilities

1. Credit Performance Monitoring & Analysis

• Support the preparation of weekly and monthly global Credit Performance reports.
• Identify emerging performance gaps and trends and flag areas requiring management attention.
• Support deep-dive analysis of underperforming markets, products, cohorts and customer segments.
• Develop performance trackers and dashboards in collaboration with BI.

2. Credit Initiative & Project Management

• Support the Senior Manager in coordinating the rollout of global Credit initiatives across OpCos.
• Maintain project plans, timelines, action trackers and implementation milestones.
• Follow up with relevant stakeholders to ensure actions and deliverables are completed on time.
• Track initiative performance against agreed objectives and document outcomes.
• Support pilots and experiments by coordinating test cohorts, data requirements and performance readouts.
• Escalate project risks, delays & dependencies to Credit Operations Senior Manager.

3. OpCo & Cross-Functional Coordination

• Act as a coordination point between Global Credit, OpCo Credit Managers and relevant customer-facing teams.
• Support regular follow-ups with Commercial, CX, Aftersales and Field Collections teams on Credit initiatives.
• Coordinate collection and performance improvement actions across markets.
• Support preparation of materials for Credit reviews, leadership meetings and Credit Circles.
• Ensure agreed actions from global and OpCo Credit reviews are tracked through to completion.
• Oversee all fraud management processes across OpCos, with clear reporting lines & escalations.

4. SOP, Process & Knowledge Management

• Support the development and updating of Credit SOPs, process documents, playbooks and training materials.
• Maintain a central repository of Credit Operations best practices, lessons learned and implementation materials.
• Document successful pilots and initiatives for potential replication across other OpCos.
• Support the standardisation of Credit processes and operating practices across markets.

5. Training & Change Management Support

• Work with the Credit Operations Senior Manager and Training teams to coordinate training requirements for new Credit initiatives.
• Support the development of training materials, FAQs, communication packs and implementation guides.
• Track training completion and readiness across OpCos.
• Capture feedback from field teams and incorporate relevant learnings into future initiatives.

6. Technology & BI Coordination

• Support requirements gathering for Credit-related Technology and BI enhancements.
• Coordinate UAT activities and track issues through resolution.
• Work with BI teams to validate Credit reports, dashboards and automated metrics.
• Support the rollout and adoption of new Credit tools and digital workflows.
• Ensure relevant performance information is available and accessible to the appropriate teams.

7. Executive Reporting & Communication

• Support preparation of weekly, monthly and quarterly Credit performance updates.
• Prepare charts, scorecards and executive summaries highlighting key trends, risks and opportunities.
• Support preparation of presentations for Exec, Board and Senior Leadership discussions.
• Ensure reporting is accurate, timely and aligned with agreed Credit definitions and KPIs.

Key Performance Indicators (KPIs)

• Monitor & Manage the Credit KPIs across all OpCos
  • Early Performance: Usage @ 30/90d, PAR30 @ 60d, Early Risk
  • Portfolio Quality: Delinquency Rate, On Track %
  • Operational: Winback %, Roll Rates, Cost per Collection
  • Financial: Credit Discount, Advance Rate, ECL
• Timely completion of assigned project tasks and deliverables.
• Accurate and on-time preparation of Weekly/Monthly performance reports.

Requirements

• Bachelor's degree in Finance, Business Administration, Economics, Statistics, Accounting, Credit or a related field. Credit Certifications are a strong plus
• 5+ years' experience in Credit, Collections, Business Operations, Analytics, Project Management or a related field.
• Experience working with Africa-based operations, preferably within PayGo, financial services, fintech, asset finance or a related environment.
• Strong analytical and problem-solving skills.
• Strong Google Sheets skills and familiarity with data visualization tools.
• Experience working with BI/data teams and interpreting performance dashboards.
• Strong project coordination and organizational skills.
• Excellent written and verbal communication skills.
• Ability to work effectively with cross-functional and geographically distributed teams.
• Strong attention to detail and ability to manage multiple priorities.
• Self-driven, proactive and comfortable working with limited supervision.
• Ability to translate data into practical operational insights and actions.

Benefits

• Competitive remuneration package
• Medical Cover
• A mission-driven organization dedicated to transforming lives
• A dynamic and inclusive work environment
• Opportunities for professional growth and learning