Phone Credit Manager at Sun King (Formerly Greenlight Planet)

About The Role

• The Phone Credit Manager - Nigeria position is a field based role under the Global Risk and Credit team in Nigeria.
• The role holder will be accountable for overseeing and managing credit risk & other risks within the Paygo business.
• This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance.
• Department Corporate Risk Employment Type Permanent - Full Time Location Nigeria Workplace type Onsite Reporting To Global Phone Credit Manager

What you would be expected to do
Evaluate Portfolio Performance

• Identifying and classifying customers at risk of default through data interpretation and direct client interaction.
• Identification of portfolio Reflags and timely reporting of the same
• Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
• Comprehend regional/Area trends, specific Product trends and proposing remedies to avert any negative trends.

Audit & Compliance

• Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc )
• Provide detailed findings with actionable risk mitigation recommendations.

Collections Interventions

• Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients onboarded.
• Generate, Define and implement field collection strategies through the field teams to improve collections.
• Review existing policies and their impact on portfolio management and recommend adjustments or updates based on the market trends or field findings.
• Ensure Optimization of Portfolio segmentation is achieved by assigning accounts from different buckets to specific users and propose segmentation changes where necessary.
• Pilot Management: Ensure pilots in the field are well managed and tracked to meet the set success metrics by engaging the relevant stakeholders
• Fraud management: Ensure investigations into reported fraud cases are done in a timely manner and cases closed within SLA.
• Reporting & Documentation: Prepare comprehensive field reports including data collation, process documentation, and operational insights. Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Perform industry research, evaluate information collected and propose changes that will improve the drive of Sun King from both sales and collections.

You might be a strong candidate if you have

• Bachelor’s Degree or Higher National Diploma in finance, Risk Management or a related business field, over 8 years related experience preferably in the Audit/Risk/Credit department with at least 3 years in a supervisory role.
• Relevant certification in Credit Management or Data Interpretation /Statistics/Data/Computer Science is an added advantage.
• Significant knowledge of data collection, field surveys.
• Excellent planning, organisational and critical thinking skills with strong attention to detail.
• Clear thinking/problem solving ability. Ability to spearhead/manage projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them.
• Excellent presentation and communication skills, both verbal and written expression.
• Team work skills and stakeholder management: Ability to engage effectively with key stakeholders, working collectively to ensure sound business outcome.
• Outstanding planning and organizational skills.
• Ability to work solely with minimum supervision.
• Willingness to spend 70% of the time in the field.