Head of Lending Operations at Winock Solar Limited

Job Objectives

• Successful candidates will be responsible for providing leadership to the Winock Lending team on all Credit decisions focusing on micro business financing/ lending.
• The applicant will also supervise and develop staff, make credit and lending decisions, and perform credit monitoring of all loans above a certain threshold.

Job Description

• Define the strategic intent and agenda for the Credit risk operations and Lending operations function.
• Strategically setting guidelines and policy relating to the accurate and timely servicing of loan portfolio, including the proper loan documentation and closing processes and loan servicing.
• Effectively deliver the strategic initiatives on faster TAT.
• Design, implement and monitor a loan & small business lending marketing and business plan, and subsequent achievement to the goals set by the Company.
• Good understanding of Credit Policy and Fraud Process Standards. Understanding of implementation of Credit Decision Engines, Scorecards and tools for credit underwriting.
• Leads the development of the design, management and adherence of key operating controls and levers that improve end to end decisioning efficiency and customer experience
• Ability to identify an acceptable level of lending risk, in line with Winock’s risk appetite statement, and to maximise profit from that transaction.
• Support and demonstrate a risk management culture in line with setvalues
• Proactive identification and escalation of risks and issues related to your role responsibilities & captured as a service request in Ignite.
• Monitor sales and collections KPIs for each branch to ensure that they are being met by the respective managers
• Identify and implement corrective activity where performance gaps exist within budgeted targets.

Key Performance Indicators

Requirements

• Candidates should possess a Bachelor's Degree with at least 3 years relevant work experience.