Job Summary

To drive the execution of credit risk strategies that optimize the subsidiary’s credit portfolios from a reward versus risk perspective while balancing capital constraints and market sensitivity to levels of non-performing debt.

Job Details

Critical Deliverables /Core Accountabilities and Responsibilities

• Ensure efficient implementation and compliance with Letshego’s policies, procedures relating to credit risk, including for provisioning, write offs and arrears management.
• Prepare monthly reports on country management of arrears and compliance.
• Make recommendations for Country write offs.
• Monitor progress on issuing and serving summons’ on debtors.
• Provide recommendations on achieving set loan book performance and impairments practices.
• Ensure that all loans and lending procedures comply with applicable regulations.
• Analyse new customer’s credit worthiness

Requirements

Position Requirements

 Education

• A degree in finance / Information Systems /Economics or similar
• Experience in credit management gained in Consumer Finance, retail SME or microfinance   environment

 Experience 

• At least 7 years’ experience in Credit Risk within Financial Services

Knowledge

• Knowledge of local laws, rules and regulations
• Understanding of credit risk strategies to maximise benefit from opportunities that arise to give some input to upside benefits to the business.
• Hands on experience with credit risk management systems

Skills

• Ability to analyze and monitor country credit risks that face the business.
• Ability to devise solutions relevant to a particular situation considering the specific circumstances, country laws and norms
• Quality Assurance of all loan portfolios