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.

About
Sun King is the world’s leading off-grid solar energy company, combining cutting-edge product design, fintech, and field operations to deliver energy access for the 1.8 billion people who live without an affordable and reliable electric-grid connection.Sun King has built a new kind of energy utility: distributed, green, customer-centric, and affordable. We bring clean, reliable, decentralized energy directly into people’s lives — from solar kits that provide first-time energy access to multi-kilowatt systems that serve both off-grid users and grid-connected customers powering larger homes, schools, hospitals, farms, offices, and light manufacturing.Already, 25 million homes and businesses rely on Sun King for electricity supply and the appliances and services it enables: lighting, televisions, fans, refrigeration, and smartphones. Sun King combines energy generation, energy-efficient appliances, installation, and financing into one seamless offering. Think of it as a distributed utility, designed for wherever energy is needed and designed to scale with its users as incomes and energy needs grow.Sun King makes solar products affordable to low-income households and businesses via ‘pay-as-you-go’ (PAYG) purchase financing. Sun King installs solar after customers pay a small deposit. Customers then make small, manageable payments of as little as US $0.14 a day via mobile money or cash.Instead of paying for expensive, polluting, and health-damaging kerosene for lighting or diesel for power, customers unlock savings through accessing solar power and after one to two years of payments, customers own their solar equipment outright.Sun King collects payments digitally through mobile money systems and its 35,000 field agents — over 1 million payments each day. To date, Sun King has extended more than $1.4 billion in PAYG loans to customers.Sun King began by powering homes and businesses with solar systems delivered through PAYG financing. Now, we’re using the same model to make smartphones and clean cooking equipment affordable: helping households connect to the digital economy and transition from wood-based fuels to modern, sustainable alternatives.Sun King employs 3,500 full-time staff in 14 countries, with specialties spanning product design, data science, logistics, customer service, sales, software, operations, and more — all with a passion to serve off-grid families. Sun King is committed to gender diversity in the workplace. Women represent 42% of Sun King’s workforce.