Credit Team Lead at Engie Africa

Department: Customer Finance
Reporting line: Head of Customer Finance

Job Purpose / Mission

• Engie Energy Access is looking for dynamic, highly motivated and disciplined Customer Finance Representatives with a passion for entrepreneurship, renewable energy and financial inclusion.
• This position is a key role within the Customer Finance Department of a fast-paced start up at the front lines of renewable energy and mobile payment technology.
• This role requires individuals to work under limited supervision, perform duties associated with locating unreachable customers, direct interaction with customers and where need be deactivate non-paying customers while giving good customer experience.

Responsibilities, Deliverables and Activities  
Key Responsibilities:

• Manage Customer Finance Representatives to deliver on set targets
• Support States and Region in their work with difficult arrears clients
• Staff Coaching and training on arrears management
• Manage Alternative delivery channel of payments
• Manage additional ad hoc tasks as assigned by the Sales Managers and Customer Finance Manager

Deliverables and Activities:

• Develop a scalable credit portfolio maintenance and recovery process.
• Analyze credit data on sales results and develop operational plans and to address performance gaps and improvement.   
• Reach all quantitative and qualitative targets set by the customer finance department on Late to first payment, bounce backs, Repossession and Momo Agents.
• Analyzing operational process and reviewing them to enhance result
• Managing and maintaining the zone at a high positive credit portfolio  
• Coordinate and align with stakeholders to reduce arrears including holding recovery meetings with sales team leads.
• Performing Repossession of our Kits and visit to difficult arrears clients.
• Conduct coaching sessions on recovery activities for your team and Sales teams in the region
• Monthly performance review and training for performance improvement with the customer finance representative team within the region.
• Delivered better and seamless payment channel (Paga & Momo) to customer locations over time.
• Manage repayment Payment integration within the respective regions
• Manage an increased percentage of customers making payment via alternative delivery channels.
• Work with our customers to understand needs and provide improvement to seamless and better payment channel in the zone/region 

Qualifications

• HND / B.Sc Degree or Diploma in a relevant field  

Required Skills & Experience:

• 2 - 3 years experience as a Recovery Officer
• Experience in leading a team
• A good proficiency of Data Analytics Tool (Tableau, SQL, Microsoft Excel)
• Ability to work with and manage a team in rural communities
• Skilled in customer relations, negotiations and problem solving.
• Ability to build relationships with colleagues, cross-functional counterparts, external business partners and management team.