Retail Finance Manager (Credit Operations) at Simba Group

Job Summary

• We are seeking a highly skilled and customer-focused Retail Finance Manager to manage and facilitate financing solutions for our automobile buyers.
• The ideal candidate will oversee credit processes, assess risks, build partnerships with financial institutions, and ensure smooth loan approvals while driving customer satisfaction and vehicle sales.

Key Responsibilities

• Facilitate auto-loan financing options for retail buyers in collaboration with banks, microfinance institutions, and other lending partners.
• Conduct credit risk assessments, credit appraisals, and loan structuring to ensure high-quality loan portfolios.
• Manage and monitor customer loan applications, ensuring timely approval, disbursement, and compliance with internal and regulatory requirements.
• Develop partnerships with financial institutions to expand financing options for customers.
• Implement credit policies, SOPs, and risk management frameworks to minimize defaults and maintain a healthy portfolio.
• Track loan performance, monitor NPL/PAR ratios, and oversee recovery efforts where necessary.
• Support the sales team by designing financing packages that make products more accessible to customers.
• Provide financial advisory support to customers, guiding them on loan products, interest rates, repayment plans, and eligibility requirements.
• Generate reports on loan origination, approval rates, repayment performance, and credit risk exposure for management decision-making.
• Ensure strict compliance with company policies, industry regulations, and lending guidelines.

Qualifications & Experience

• Bachelor’s degree in Finance, Banking, Accounting, Business Administration, or related field (Master’s degree/MBA is a plus).
• Professional certifications in Credit Risk, Banking, or Risk Management (e.g., RIMAN, CIBN) are an added advantage.
• Minimum of 7–10 years’ experience in credit risk management, retail financing, consumer lending, or microfinance.
• Proven track record of loan portfolio management with low non-performing loan (NPL) ratios.
• Strong understanding of credit risk assessment, regulatory compliance, and financial structuring.
• Excellent relationship management skills with banks, MFIs, and other financial partners.
• Strong analytical, negotiation, and problem-solving skills.
• Proficiency in financial software, credit analysis tools, and MS Office Suite.

Key Competencies:

• Credit Risk Assessment & Loan Structuring
• Retail & Consumer Finance
• Regulatory Compliance & Risk Mitigation
• Strategic Partnerships with Financial Institutions
• Loan Recovery & Portfolio Management
• Strong Communication & Customer Advisory Skills.