Head of Credit & Collections at RxAll International Limited

Job Summary:

• We are hiring a Head of Credit & Collections to restructure our pharmacy credit model. This role will design and manage a scoring system, collections engine, and recovery workflows.

Core Competencies:

• Credit policy design and enforcement
• Risk tiering and customer segmentation
• Negotiation and dispute resolution
• Collections performance tracking (aging, DSO, recovery %)
• CRM/ERP credit workflows (Zoho, QuickBooks, Salesforce, etc.)

Leadership Qualities:

• Results-focused and analytical
• Empathetic but firm with customers
• Able to lead teams under pressure and drive urgency
• Collaborative with sales and finance teams

Key Responsibilities:

• Design and implement risk-based credit policy
• Segment customer credit tiers; integrate into sales process
• Lead a collections team with daily tracking & recovery actions
• Engage defaulters to negotiate repayments and reduce bad debt
• Run weekly reporting for CEO/CFO

KPIs:

• Collection recovery: ≥ ₦80M in 90 days
• Daily repayment %
• % of credit default reduced to <10%
• Aging bucket shrinkage (30, 60, 90 days)
• Customer satisfaction post-recovery

Requirements:

• 5+ years in credit, collections, or lending operations
• Experience with B2B credit scoring or financial modeling
• Strong leadership and negotiation skills
• Analytical with CRM/ERP reporting experience
• Bonus: familiarity with pharmacy or SME credit lending