ENGIE Energy Access is the leading Pay-As-You-Go (PAYGo) and mini-grids solutions provider in Africa. The company 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 $0.19 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 1,800 employees, operations in nine countries across Africa (Benin, Côte d’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1.9 million customers and more than 9 million lives impacted so far, ENGIE Energy Access aims to impact 20 million lives across Africa by 2025.

www.engie-energyaccess.com

www.linkedin.com/company/engie-africa

Job Overview

The Credit Risk and Strategy Manager is fundamental to the successful implementation of the Customer Finance Strategy with regards to efficient execution of portfolio credit risk mitigation initiatives, credit origination oversight, projects, data analysis and its incorporation into strategic insights. The role is responsible to the formulation and execution of credit risk mitigation actions, using data analytics to provide management with strategic information relevant to credit risk management as well as providing overall supervision of the credit origination function and the management of projects within the Customer Finance space. The role reports into the EEA Zambia Head of Customer Finance, S/he will work cross-functionally with the Commercial, Operations and Product, and Global teams.

Job Description

Portfolio Management

Closely collaborate with the Commercial Strategy manager on delivery of common outcomes for Commercial and Customer Finance.
Responsible for Credit origination function to ensure efficient and effecting credit assessment activities are delivered in a manner that mitigates heightened credit risk.
Constant portfolio deep-dives to obtained credit risk insights in order to implement timely credit risk management interventions.
Supervision of Data Analytics function to ensure that credit portfolio management information for decision making is provided consistently.
Collaborate and support in the design, implement and review Collections campaigns aimed us ensuring collection targets are met.
Actively identify immediate & long-term portfolio risks and coordinate timely solution-based actions to closure.
Portfolio Performance dashboard design, creation, and monitoring to ensure up to date information to all key stakeholders.
Curate, implement & track defensive portfolio monitoring mechanisms, including early warning mechanisms and contingency plans to manage losses proactively.
Proposals on new indicators to help steer customer repayment behavior.

Projects and Data

Responsible for leading operational projects within and beyond CF and supporting key team members in strategic decision-making.
Sign off on project assignments and follow up with project team members to ensure that all project deliverables are met on time, within brief, and on budget.
Support project team with external negotiations where needed to drive strategic initiatives.
Keep stakeholders informed about status of projects and deliverables.
Align all Analytics & Collections strategies to Global CRMF and Country Credit policy.
Coordination of Credit Governance forums and information for members.
Oversight for the production, quality control and distribution of data and information to various stakeholders.

Tools and Technology

Champion the use of systems to aid continuous credit risk management across the business.
Coordinate the creation of credit portfolio information dashboards, forecasts and models.

Team Management

Supervise and oversee the work of the Credit Assessment and Customer Finance Data Analytics teams.
Indirectly oversee the activities of collaborating Customer Finance functions in order to maintain strategic awareness.

Required Skills & Experience

Minimum University degree in Economics, Banking, Finance, Accounting, or related field
4+ years’ work credit portfolio management, data & analytics, credit support or similar, particularly in sectors like Retail financial services or any related field.
Ability to collaborate with cross-disciplinary, diverse teams.
Strong interpersonal skills with high degree of clarity in communication.
Proficiency in one or more local languages spoken by our customers is a big plus.
Excellent written and verbal communication in English.
Business acumen and commercial mind-set
Ability to use analytical and problem-solving skills in a customer-focused context and English.

ENGIE is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We evaluate applications based on business needs, job requirements, and individual qualifications, without regard to origin, age, gender identity, sexual orientation, religion, marital status, disability, political opinions, union involvement, or citizenship

Job Requisition ID on SAP SF

40605

Organization

GBU Flexible Gen & Retail

Language on SAP SF

en_US

Level of Experience

Skilled ( >3 experience <15 years)

Degree

Bachelor's Degree

Country

Zambia