Credit Manager

The Credit Manager - Kenya position is a field based role under the Global Risk and Credit team in Kenya. The role holder will be accountable 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

Analyze portfolio performance

• Systematically identifying high-risk customers and classifying their default probability using data insights and direct outreach.
• Identification of portfolio Reflags and timely reporting of the same
• Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
• Monitoring regional/area trends and specific product performance to identify and implement corrective measures for 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 field-based collection strategies through the field teams to enhance 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, interpret data insights, and propose strategies to strengthen Greenlight Planet Kenya Limited’s market position and revenue optimization in sales and collections.
• Any other task allocated by the credit lead/Risk leadership team in relation to the role scope from time to time.

You might be a strong candidate if you have

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, organisational and analytical 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/lead projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them
• Strong leadership skills to direct and motivate a team of professionals
• Excellent presentation and communication skills, both verbal and written expression.
• Stakeholder engagement and teamwork skills: Ability to work productively with key stakeholders, aligning efforts to deliver strong business results.
• Outstanding planning and organizational skills
• Ability to self-manage work with little oversight
• Willingness to spend 70% of the time in the field.
• High level of integrity and data protection

What Sun King Offers

• A platform for professional growth in a rapidly expanding, high-impact sector.
• Immerse in a collaborative culture, energized by employees of Sun King who are collectively motivated by fostering a transformative, sustainable venture.
• A genuinely global environment: Engage and learn alongside a diverse group from varied geographies and backgrounds.
• Tailored learning pathways through the Sun King Center for Leadership to elevate your leadership and managerial capabilities.

We place great importance on sustaining a diverse, inclusive work environment.

We believe that innovation and understanding comes from diversity on every spectrum. We work to make sure every Sun King team member knows that they belong, knowing that sustaining an inclusive workplace requires conscious effort and is a continuous journey, not an end-state.

Sun King recruits, employs, trains, compensates and promotes people based on their experience, skills, effort, and results. We explicitly prohibit discrimination on the basis of race, religion, caste, national origin, color, gender, marital status, family structure, sexual orientation, HIV/AIDS status, or disability.