Credit Manager

Position Description: The role of the Credit Manager is to support the OpCo’s customer-facing departments: Commercial, Customer Experience, Field Collections & Aftersales to achieve their respective credit-related targets.

They will manage the Uganda team’s field collections activities.

They will also be responsible for the design, planning, management and implementation of key credit initiatives in other customer-facing departments as well as supporting & guiding management in the continuous improvement of their ongoing credit operations.

Roles & Responsibilities: Supporting the OpCo customer-facing Teams in the implementation of their credit strategy with the focus on achieving their credit risk & collections targets.

Oversee the roll out of improvements to credit operations aimed at enhancing credit risk assessment, monitoring & management.

This includes development, documentation, communication & rollout of projects for key initiatives, driving their implementation in the field, and coordinating their assessment against agreed success metrics & KPIs.

Provide general support and guidance to the OpCo Managing Director along with Heads of Departments as they implement credit initiatives and in their day-to-day operations.

Alongside the relevant training managers, draft training plans, materials & improved procedure documents and support the execution of training to the relevant parties in the field and other stakeholders.

Provide day-to-day operational management of the Field Collections function in the OpCo.

Prepare regular updates & reports on projects & performance for the OpCo MD as well as to the Global Credit Operations Manager & Director of Credit Risk & Collections.

Support the rollout of new Technology tools, Data & BI Dashboards and any features that impact the Field Collections Team, as well as providing up-to-date feedback and suggestions for their continuous improvement from the team’s perspective.

Key Performance Indicators (KPIs) The KPIs for this role cover the full range of credit-related activities of the OpCo, from Credit Assessment through Customer Journey & Credit Risk to Portfolio Quality.

Early Risk.

Usage Rate.

Portfolio at Risk.

% Paid @ Milestones.

Winback Rate.

Delinquency Rate.

Cash Collection.

Skills, Qualifications & Experience 5+ years work experience within the PAYGO industry, with working knowledge of credit management collections operations and last-mile PAYGo sales best-practices.

Proven track-record showing an ability to execute tasks on time and to a high standard.

Excellent interpersonal skills in managing cross-functional teams to deliver complex projects.

Excellent written and verbal communication skills for coordinating across teams.

Fluency with computer applications, primarily the Google Suite (Slides, Docs, Sheets) Autonomy and initiative; ability to achieve results with little supervision.

Ability for critical thinking, creativity and initiative to take decisions on-the-spot.

Required to do regular fieldwork; mostly within Uganda, but also across other d.light OpCos.

Fluency in English.

A relevant degree or qualification is an advantage, but not essential for the role.