Credit Operations Manager– SCALE at Renda Africa

We are looking for a Credit Operations Manager to lead the end-to-end credit operations within SCALE by Renda. This role is responsible for overseeing underwriting, credit disbursement, collections, compliance, risk management, credit scoring, and customer service. The ideal candidate is data-driven, solutions-oriented, and passionate about building scalable credit products. 

Key Responsibilities

 Credit Strategy & Operations

• Manage the full lifecycle of credit operations: onboarding, underwriting, disbursement, monitoring, and collections.
• Implement and maintain a dynamic credit scoring system for B2B and B2C segments.
• Ensure operational integration with partner systems and APIs for seamless credit deployment.

Risk & Compliance

• Monitor portfolio performance, assess risk exposure, and deploy mitigation strategies.
• Ensure full compliance with internal credit policies and regulatory requirements.
• Lead regular audits and ensure zero critical findings.

Process Optimization & Automation

• Identify inefficiencies across credit operations and implement scalable, automated solutions.
• Streamline credit workflows to reduce TAT and operational costs.
• Drive innovation in credit operations through data and technology.

Customer Experience

• Manage client escalations and ensure SLA-aligned issue resolution.
• Foster a customer-centric culture to drive satisfaction and loyalty.

Performance Tracking & Reporting

• Track key credit metrics including delinquency, repayment rate, and disbursement volumes.
• Deliver timely and error-free reports: weekly, monthly, and quarterly.
• Provide insights to refine credit strategies and inform business decisions.
• Cross-functional & Stakeholder Engagement
• Collaborate with Sales, Finance, Legal, and Technology to ensure alignment with organizational goals.
• Manage external relationships with banks, credit bureaus etc

Qualifications & Requirements

• Bachelor’s degree in Business Administration, Finance, Economics, or related field
• 5+ years of experience in credit operations, risk management, or fintech credit
• Strong understanding of credit risk, scoring systems, and regulatory frameworks
• Proven track record in disbursement performance and operational excellence
• Skilled in data analytics, CRM tools, and credit management software
• Exceptional communication, leadership, and stakeholder management capabilities