BBOXX is generating impact by improving customers' quality of life through the provision of affordable, clean, and reliable energy solutions. Today, we offer pay-as-you-go solar power. Our aim is to expand rapidly to provide other modern utility services, such as cooking, internet access, and water. We are constantly searching and realizing innovative solutions to provide the best value services to our customers.
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We are seeking an experienced Credit Manager who would serve as the Head of Credit to oversee the performance and health of a growing customer portfolio within the renewable energy sector. This role is responsible for maximizing portfolio utilization, reducing defaults, managing collections and repossessions, and ensuring a seamless customer payments and service experience.
Key Responsibilities
Monitor and achieve targets related to portfolio utilization, default rates, repossessions, and customer service performance.
Analyze key portfolio metrics and prepare reports on portfolio health, identifying root causes of performance issues and recommending corrective actions.
Oversee collections and repossession processes to recover assets and support customers in returning to active usage while minimizing operational costs.
Act as the “voice of the portfolio”, ensuring that operational and sales teams maintain a strong focus on portfolio quality and sustainability.
Design and implement initiatives to improve portfolio performance, including campaigns that encourage timely customer payments and product usage.
Ensure a seamless payments experience by monitoring payment systems, coordinating with payment partners, and supporting customer education on payment channels.
Balance cost and quality in customer service, improving the customer experience across multiple channels such as call centers, service shops, and digital platforms.
Support the implementation and testing of new portfolio and customer service improvement initiatives.
Oversee and manage the Customer Support operations related to portfolio management.
Qualifications
Bachelor’s degree in finance, Business Administration, Engineering, Applied Mathematics, or a related field.
Minimum 7 years’ experience in credit risk management within banking, fintech, or lending institutions, including portfolio analysis and reporting to senior management; OR
2+ years in a top-tier consulting environment with strong exposure to financial analytics and risk management.
Practical experience in delinquency management or collections operations is an advantage.
Strong knowledge of financial analysis tools, including credit risk modeling and portfolio analysis techniques.
Advanced Excel skills, with knowledge of statistical or analytical software considered an advantage.
Understanding of digital payment systems or banking regulations is desirable.
Skills & Attributes
Strong analytical and quantitative thinking, with the ability to break complex problems into structured solutions.
Intellectual curiosity and a passion for solving operational and financial challenges.
Self-driven and proactive, capable of identifying problems and leading initiatives to resolve them.
Strong financial acumen and ability to interpret risk and performance metrics.
Excellent communication and presentation skills, with the ability to translate complex analysis into clear insights for senior stakeholders.
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