Portfolio Associate at Hello Tractor

The Role

• Hello Tractor has grown significantly in a short span of time in the African market. We now have a marketplace of over 5,000 tractor owners and operators servicing over a half million smallholder farmers across 20 countries in Africa and Asia.
• However, despite the huge potential for the service, there is a shortage of tractors to fully service smallholder farmers’ demand for services and banks generally do not lend to rural communities.
• To address this, Hello Tractor recently launched a Pay-As-You-Go (PAYG) tractor financing product to unlock low risk, low-cost tractor financing for rural, under-banked entrepreneurs servicing smallholder farmers.
• We have a fantastic opportunity for a Portfolio Associate who will be based in Abuja, Nigeria. You will be working with a world-class team of professionals who are passionate about what they do and will expect no less from you.
• Having an insatiable hunger for learning new methods, processes, and technologies and improving existing ones is critical.
• Are you comfortable liaising with a range of stakeholders? Are you meticulous about continuous process improvements? Are you a critical thinker, entrepreneurial and driven by high performance? Then we need you!  

Responsibilities

• Initiate and oversee new deal underwritings, presenting them to the Credit Risk Committee for evaluation and approval.
• Model and underwrite contracts for the reassignment of tractors as necessary.
• Develop and finalize monthly, quarterly, and annual reporting decks for PAYG Portfolio reporting.
• You will be instrumental in monitoring emerging risks, leveraging data-driven insights to refine portfolio strategies, and ensuring compliance with regulatory standards and internal controls.
• Proactively identify opportunities for process optimization and technology adoption to streamline PAYG operations, collaborating closely with internal teams to implement best practices and drive scalability across our growing portfolio.
• You will champion Hello Tractor’s mission by upholding the highest standards of professionalism, accountability, and customer-centric service, positioning the PAYG program for sustainable growth and long-term success.
• Lead the financial modelling of PAYG portfolio performance, including scenario analysis, forecasting, and sensitivity analysis to inform strategic decision-making and optimize resource allocation.
• Develop, evaluate, and refine short- and long-term business strategies for the PAYG program, leveraging data analytics and market research to support sustainable growth and profitability.
• Collaborate with cross-functional teams to integrate financial insights into business planning, identify cost-saving opportunities, and drive continuous improvement in operational efficiency.

Other Responsibilities:
Provide Support to PAYG Manager in the following areas;

• Initiate response measures to address both micro and macro trends that pose operational and profitability risks to the PAYG business.
• Execute field initiatives based on PAYG insights, such as setting up implement hubs, managing spare parts distribution, and enhancing our online marketplace.
• Facilitate the sharing of PAYG Portfolio reports with relevant stakeholders.
• Provide valuable field feedback to Hello Tractor's leadership team, complete with actionable recommendations.
• Drive strategies to maintain portfolio asset quality within acceptable risk tolerance levels, addressing issues such as asset quality, key concentration limits, risks, and profitability targets.

Who You Are

• Candidates should possess a Bachelor's Degree in a relevant field with over 5 years of credit underwriting experience.
• Experience managing a credit risk portfolio, with a preference for individuals who have managed portfolios of over $5 million in aggregate credit exposure.
• Advanced proficiency in Excel and the capacity to model, automate, and effectively utilize advanced software/systems.
• Strength in data analysis, workflow automation, and collaboration with cross-functional teams.
• Strong communication skills, particularly with senior leadership and key stakeholders.
• Knowledge of legal agreements related to credit and contracts.

What We Offer

• Competitive pay that commensurate skills and expertise 
• Performance bonuses  
• Hybrid working environment