Title: National Credit Manager
Department: Customer Finance
Location: Lagos or Abuja
About ENGIE Energy Access
ENGIE Energy Access is a 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 instalments from $0.14 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 nine countries across Africa (Benin, Cote d’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1 million customers and more than 5 million lives impacted so far, ENGIE Energy Access (EEA) aims to remain a leading clean energy company, serving millions of customers across Africa by 2025.
www.linkedin.com/company/engie-africa
Job Objective
EEA Nigeria is seeking a highly motivated and entrepreneurial National Credit Manager to be a part of revolutionizing credit and financial inclusion for the base of the pyramid. The role will work cross-functionally with our customer experience, product development, operations, marketing, and technical teams on the ground to help design, execute, assess and refine innovative consumer finance projects at EEA.
This position offers an incredible opportunity to make a direct impact on the lives of a largely unbanked customer base with limited access to traditional finance. The right candidate will be a fierce team player and committed people manager, with a passion for implementing new approaches and seeing them through from idea, to testing, to scale. As National Credit Manager, you could be based in Abuja or Lagos Nigeria with regular travel to the field. You will lead critical projects that can directly influence customers’ repayment behavior, their positive experience with our Products, and their ongoing loyalty to the brand—all crucial to the success of the business and in increasing access to financing for BOP consumers.
Key responsibilities
Run EEA Nigeria Credit operations by:
Deliverables and Activities
Establish a World Class credit function within the overall company
Push the boundaries of microfinance, fin-tech & traditional financial services
Develop innovative, data driven analytics, systems & practices so we can reach an underserved and primarily unbanked population
Appropriately balance credit risk with inclusivity
Build an industry leading data analytics & machine learning platform so we may best address our unique customer demands
Create the tools, systems and processes that will lead to high customer repayment while attempting to mitigate sales disruptions so EEA can realize its mission of inclusivity
Continuously refine and improve EEA’s data-driven credit strategy across underwriting, account management and default mitigation
Innovate, design, pilot and deploy new underwriting technologies, policies & processes to improve repayment outcomes
Design and implement A/B tests to improve the quality of the portfolio and drive innovation
Support the customer facing field teams to improve portfolio repayment & minimize delinquency, default and fraud
Identify risks, and gather insights and observations to inform business decisions that improve the quality of the portfolio from loan initiation to completion
Support the Sales & Marketing Team by providing credit guidelines based on data and evidence-based research
Lead the data science team in designing, testing, implementing, and measuring the performance of such scores
Collaborate with other stakeholders such as the product, sales and marketing, and CX teams to determine pricing structures and eligibility requirements for new products and financial services
Required Skills & Experience
Highly Desired 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!