Operations (Risk) Manager - Helium Credit at Helium Health

The Operations (Risk) Manager HeliumCredit will manage the operations of Helium Credit, and work with the credit, operations, and debt recovery teams to ensure that credit risk indicators and early warning signs of credit delinquency are monitored proactively. The position is expected to positively impact the Company’s NPL ratio over a given time frame with the ultimate goal of minimizing non-performing loans.

Responsibilities:

Risk Monitoring and Evaluation

• Monitor all aspects of the Company’s Credit risk management process and ensure that they are in compliance with the approved governance systems. Escalate exceptions with recommendations to senior management for appropriate action.

• Participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.

• Analyze delinquent accounts and prepare reports on highest risk accounts including recommendations for resolution.

• Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents.

Credit Operations

• Design business requirement documents, credit policies, credit memos and other relevant risk management policies to guide the loan requirement process thereby lessening documentation without the projected risk of adverse effects on portfolio, in line with global best practices. 

• Prepare periodic and annual reports concerning the status of loan collection and follow up on non-performing loans. Ensure reporting and record keeping system, identifying defaulting demographics.

• Collaborate with the loan recovery team to maintain bad debt and bad debt recovery exposures to within acceptable risk appetite levels. Conduct periodic stress tests and scenario analysis, assessing the impact to the Company’s credit portfolio and make appropriate recommendations to senior management for appropriate action

• Work closely with the Credit Analysts  to proactively identify problem accounts and make timely recommendations to senior management for remedial action.

• Support the loan recovery team, in negotiating work out plans and strategies for delinquent customers

• Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate.

• Support development of automated processes to enable efficient collections operations. 

• Demonstrate service excellence.

People Management

• Manage, motivate and support team performance; mentor and coach reports to ensure  performance in the team is sustained and to build desired project management capabilities  within the business.

Requirement:

• Minimum of 6 years of experience in credit, loan collection, and credit risk analysis

• Bachelor’s Degree in Accounting, Business Management or any other related field is required

• Excellent organizational, analytical and time-management skills

• Strong knowledge of credit related governance policies and laws  

• Strong stakeholder management and communication skills.

• Excellent negotiation skills

• Motivated self starter with the ability to work independently with purpose and accuracy in a fast-paced environment

• High proficiency in all areas of Microsoft Office including Outlook, Word, Excel and PowerPoint

Working Environment: 

Nigeria region, with opportunity for remote work

Remuneration: 

Competitive based on experience, includes guaranteed take home and performance bonus

Benefits: 

Health cover; Opportunity to choose from a range of home service options; Paid time off (20 days Annual Leave, 60 days paid Maternity Leave and 20 days paid Paternity Leave, Adoption Leave, paid Sick Leave, 7 days Volunteer Leave); Pension Scheme; Life Insurance; and other company benefits and perks. 

Robust Learning and Development Opportunities; Team-building activities and social events; Remote first orientation; Amazing team culture!

Team & Reporting Line:

This role reports to the Head Helium Credit

Career Prospect:

Operations (Risk) Manager ---  Head, Helium Credit  --- CCO --- CEO