Credit Manager

Department: Corporate Risk

Employment Type: Permanent - Full Time

Location: Ethiopia

Description

What you will be expected to do:

• Identify and classify customers at risk of default through data review and direct client interaction.
• Identify portfolio red flags and ensure timely reporting of the same.
• Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Review regional and Area trends, specific product trends, and propose remedies to address negative trends.

• Conduct internal audits to identify process gaps and ensure compliance with existing policies, including Underwriting, Collection processes, Welcome, Repossession processes, Change of Details, and other relevant procedures.
• Provide detailed findings with practical risk mitigation recommendations.

• Develop proactive collection approaches, including KYC and Underwriting practices aimed at enhancing the quality of clients onboarded.
• Generate, define, and implement field-based collection approaches through field teams to improve collections.

• Review existing policies and their impact on portfolio management.
• Recommend adjustments or updates based on market trends and field findings.
• Portfolio Segmentation:
• Ensure effective portfolio segmentation by assigning accounts from different buckets to specific users.
• Recommend segmentation changes where necessary based on portfolio performance and field findings.

• Ensure pilots in the field are well managed and tracked against defined success metrics.
• Engage relevant stakeholders throughout pilot implementation and review.
• Fraud Management:
• Ensure investigations into reported fraud cases are completed within required timelines.
• Track cases through to closure within SLA.

• Prepare comprehensive field reports covering data collation, process documentation, and operational insights.
• Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Maintain clear and accurate records relating to field activities, findings, and risk actions.

• Conduct industry research and review information collected from relevant sources.
• Propose changes that can strengthen Sun King Ethiopia’s market position across sales and collections.
• Additional Activities:
• Handle other tasks assigned by the Credit Manager and Risk Management team in relation to the scope of the role from time to time.

You might be a strong candidate if you have:

• Bachelor’s Degree in Finance, Risk Management, or a related business field, with over 10 years of related experience, preferably in Audit, Risk, Credit, Data, or related functions, including at least 5 years in a supervisory role.
• Relevant certification in Credit Management, Business Data, Statistics, Data, or Computer Science is an added advantage.
• Significant knowledge of data collection and field surveys.
• Excellent planning and organisational skills, with strong attention to detail and the ability to review complex information accurately.

What Sun King offers:

• Professional growth in a dynamic, rapidly expanding, high-social-impact industry
• An open-minded, collaborative culture made up of enthusiastic colleagues who are driven by the challenge of innovation towards profound impact on people and the planet.
• A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
• Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun Center for Leadership.