Responsibilities
- Create & manage customer finance strategy
against a strategy and plan that speaks to the wider Group and Country
strategic objectives. Lead market research, customer & team insights, practices
of competitors, analysis of performance by business unites, etc. to inform
strategy.
- Identify and deliver on key projects and change
management, with support from Group as needed.
- Localize global standards, execute, ensure
compliance, optimize, innovate on and (where appropriate) challenge the
common strategies, policies and guidelines or test and prove out
alternatives and innovations. Drive efficiency and productivity and advise
on customer targeting by Risk profile.
- Manage local organization structure, hiring, training
and performance management and identify and replicate best practices.
Share insights & best practices with Global and other local teams. In
charge of Local hiring for the Team.
- Responsible for the review and approval of
commercial credit proposals of the company and to maintain a good balance
between returns and risks exposure.
- Hands-on management of all day-to-day operations
of Credit team along the customer credit cycle, i.e. credit assessment,
underwriting, loan monitoring and work-out, including development of
appropriate responses to portfolio underperformance
- Oversee the Local Risk management and compliance
in the Local office and ensure adherence to policies and procedures.
- Responsible to run the Credit Department as a
profit center.
- Foster a strong credit culture in the
organization, build and lead teams that act in accordance with EEA Kenya
policies and sound credit delivery principles e.g., always Ensure high
standard credit quality of the portfolio.
- Analyze, evaluate internal and external risks,
and provide relevant pre-cautions and solutions to the risks. Provide
requirements and design inputs, particularly about credit risk
recognition, measurement, and its reporting as a part of core team for implementation
of key credit risks.
Subordinates
effectiveness:
- Regular review of Department KPIs, performance
assessment vs KPIs along with related internal and external
reporting
- Ensure staff understands the context of their
roles in relation to EEA K strategy.
- Ensure staff in your department when performing
their duties exhibit proper / acceptable behavior.
- Ensure performance consequences are taken by the
line managers in your department i.e. recognize best performers and
manager poor performers from time to time through both, formal and
informal feedback.
- Assess and monitor the training and development
needs of the staff in the department.
- Ensure staff have the resources they require to
perform their work
At EEA,
we have high expectations for our managers. Each manager plays a key role in
creating an exceptional experience not only for our customers but for every
person on our team. Our managers help A2E realize our ambitious goals while
developing their own leadership skills and facilitating growth for their direct
reports.
We believe that great managers:
- Deliver ambitious results: As a
high-performing and accountable leader, you create an enabling environment
for effective action and bold decision which contribute to successful
delivery of results.
- Act with integrity: As an ethical leader
you are honest, respectful, objective, and transparent. You create and
build upon a foundation of trust and openness.
- Inspire and mentor the team: As an
inspirational leader you walk the talk. You empower and coach your team
with trust and humility.
- Are accessible: as an accessible leader,
you develop and maintain deep connections with stakeholders through
approachability and active listening.
- Ensure diversity and inclusion: as an
inclusive leader, you ensure diversity and foster a sense of belonging.
Accountabilities
- Credit portfolio quality targets
- Portfolio growth and management.
- Support in sales growth
- Team Performance
- S/he is accountable for adherence of company’s
policies and procedures.
- S/he is accountable for adherence to the
company’s budget.
- S/he is accountable to check before approving
all financial request.
Knowledge and Skills
Experience:
- 8+yrs experience in managing teams, ideally as a
department manager/ portfolio manager/ product manager/Credit Manager at a
Microfinance Institution (MFI) or SME-related bank or Mobile Network
Operator (MNO)
- 8+yrs relevant professional experience in credit
assessment and/ or credit scoring and/ or data-smart lending and/ or
portfolio management at an MFI or SME-related bank or MNO; high exposure
to individual micro lending technology is an added advantage.
- High level of creativity and innovation capacity
to enhance and incorporate mobile-money-based lending procedures.
- High level of familiarity with typical income,
expenditure and cash flow patterns of rural and semi-urban households and
micro-enterprises.
- High familiarity with the Kenya Credit Bureau
system and Lending regulations.
- Strong analytical skills, attention to details
and able to assess risk while protecting the interest of the company,
customers and investors.
- Mature profile combining output orientation,
number orientation, customer orientation and process orientation.
- Strong communication, presentation skills,
negotiation, very good organisational and interpersonal skills, dynamic
self-starter and team player.
- Experience in Budget Management, Performance and
Team Management.
- Excellent Analytical skills, Coaching Skills,
Interpersonal Skills, Negotiation Skills and Networking skills.
- Excellent sense of urgency and time management
(tight deadline) with high organizational skills.
- A passion for community for community
development through sustainable renewable energy solutions is an added
advantage.
Qualifications:
- A minimum of bachelor’s degree in Finance,
Banking & Finance, Economics, or any other related field.
- Postgraduate/Master’s degree is an added
advantage.
- Certified public Accounts qualification is an
added advantage.
How to Apply
