Job Title: Tanzania Head of Credit Administration and Assurance
Location: Arusha, Tanzania
Application Deadline: 10th January 2022
Position: Full-time
Reporting To: Managing Director Tanzania
About ENGIE Energy Access
ENGIE Energy Access is one of the leading Pay-As-You-Go
(PAYGo) and mini-grids solutions provider in Africa, with a mission to
deliver affordable, reliable and sustainable energy solutions and
life-changing services with exceptional customer experience. The company
is a result of the integration of Fenix International, ENGIE Mobisol
and ENGIE PowerCorner; and develops innovative, off-grid solar solutions
for homes, public services and businesses, enabling customers and
distribution partners access to clean, affordable energy. The PAYGo
solar home systems are financed through affordable installments from
$0.19 per day and the mini-grids foster economic development by enabling
electrical productive use and triggering business opportunities for
entrepreneurs in rural communities. With over 1,700 employees,
operations in 9 countries across Africa (Benin, Cote d'Ivoire, Kenya,
Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1.2
million customers and more than 6 million lives impacted so far, ENGIE
Energy Access aims to remain the leading clean energy company, serving
millions of customers across Africa by 2025.
www.engie-energyaccess.com
Job Purpose/Mission
Responsible for advancing ENGIE Mobisol credit function, providing
leadership, management and spirit necessary for the customer finance
department to achieve its goals.
To provide strategic direction for Customer Finance department in terms
of customer assessments, loan recovery and credit control to support the
products and services of ENGIE Mobisol to ensure income growth and
consistent implementation of ENGIE Mobisol's credit product awareness.
Responsibilities
- Provide strategic direction of credit department within the organization.
- Responsible for the review and approval of business proposals of the company and to maintain a good balance between returns and risks exposure.
- Management of all day-to-day operations of Credit team along the customer credit cycle, i.e. credit assessment, underwriting, Loan Recovery (LRO call centre), Rescheduling and Repossession including support function to develop an appropriate responses to portfolio underperformance.
- Take accountability for and manage the Credit Department as a profit centre which reports on key performance indicators related to company targets (P&L, portfolio quality, operational efficiency)
- Play a key role in development of new lending platform, establishing and updating all lending policies and guidelines.
- Foster a strong credit culture in the organization, build and lead teams that act in accordance with ENGIE Mobisol's policies and sound credit delivery principles e.g. Ensure high standard credit quality of the portfolio at all times.
- Analyze, evaluate internal and external risks, and provide relevant pre-cautions and solutions to the risks. Provide requirements and design inputs, particularly regarding credit risk recognition, measurement and its reporting as a part of core team for implementation of key credit risks.
- Ensure on time and high-quality system installations and maintenance.
- Review and develop the ENGIE Mobisol's credit approval and repossession policies and guidelines as well as participate in ad hoc projects of investigative or trouble-shooting nature on specific customers portfolio
- Serve as a key point of contact for ENGIE Mobisol's domestic and international 3rd party funding partners and ensure operational compliance with related KPIs
- Ensure proper integration of the Credit department into ENGIE Mobisol's overall operations and workflows.
- Providing support and guidance to the Head of business on all credit matters.
- 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 ENGIE Mobisol's strategy.
- Ensure staff in their department when performing their duties exhibit proper / acceptable behavior.
- Ensure performance consequences are taken by the line managers in their 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.
- University degree from a recognised university in Finance, Banking & Finance, Economics or any other related field. Postgraduate/Master's degree is an added advantage
- 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 across Tanzania
- High familiarity with the Tanzania Credit Bureau system, Microsoft Excel, Access, wording skills and understanding of Office 365.
- 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 organizational and interpersonal skills, dynamic self-starter and team player.
- International work experience with, or exposure to, partners based outside East Africa is an added advantage.
- Willingness to travel frequently (domestic; international)
- Fluency in English and Swahili with excellent verbal and writing skills
- Ability to work in a fast-growing dynamic environment (not afraid of change).
- Passion for ENGIE Mobisol´s vision to EEA.
- Fluency in Swahili and English languages with excellent verbal communication skills.
ENGIE is an equal opportunity employer, promoting diversity and committed to creating an inclusive environment for all. All applications are screened based on business needs, job requirements and individual qualifications, without any regard to origin, age, name, sexual identity, orientation or preference, religion, marital status, health, disability, political opinions, union involvement or citizenship. Our differences are our strengths!
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