Credit Manager - Cotonou (Benin Republic)

What you would be expected to do

• Identifying and classifying customers at risk of default through data review and direct client interaction.
• Identification of portfolio Reflags and timely reporting of the same.
• Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
• Comprehending regional/Area trends, specific Product trends and proposing remedies to avert any negative trends.

• Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc ).
• Provide detailed findings with actionable risk mitigation recommendations.

• Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients onboarded.
• Generate, Define and implement a field-based approach collection strategies through the field teams to improve collections.

• Ensure Optimization of Portfolio segmentation is achieved by assigning accounts from different buckets to specific users and propose segmentation changes where necessary.

You might be a strong candidate if you have

• Bachelor’s Degree in finance, Risk Management or a related business field, over 10 years related experience preferably in the Audit/Risk/Credit department with at least 5 years in a supervisory role.
• Relevant certification in Credit Management or Business Analytics/Statistics/ Data/Computer Science is an added advantage.
• Significant knowledge of data collection, field surveys.
• Excellent planning, organizational and critical thinking skills with strong attention to detail

• Self-drive, flexibility, can quickly adapt to change, and able to multitask in a fast-paced environment.
• Clear thinking/problem solving ability. Ability to spearhead/manage projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them.
• Good people management skills to drive and motivate a team of professionals.
• Excellent presentation and communication skills, both verbal and written expression.
• Stakeholder management: Ability to engage effectively with key stakeholders, working in partnership to ensure sound business outcome.
• Willingness to spend 70% of the time in the field.

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.