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PEG Africa (also known as PEG) is a for profit, asset financing solar power company operating in West Africa. The company provides loans for pay-as-you-go (PAYG) solar power home systems to households that do not have access to an electrical grid.[4] The loans are repaid by customers in small increments, using mobile payment.
The Position
PEG operates 3 subsidiaries in Francophone and Anglophone West Africa covering nearly 1000 full time and commission based staff, selling thousands of products per month to underserved customers. PEG is expanding beyond its traditional PAYGO product lines into bigger solar systems and solar water pumps, which are higher-value and not PAYGO-enabled. This requires us to rethink how to assess customers’ affordability and how to define customers’ repayment framework, incentives. The ideal candidate is someone able to build solid foundations from scratch, being comfortable with challenging the status quo and thinking out of the box on how the future should look like.
Responsibilities Include:
Support the development of all the new products credit-related country guidelines and support countries credit teams to translate these into local policies and processes
Lead the implementation, monitoring and assessments of pilots in order to identify the PEG way of doing non-PAYGO lease financing
Collaborate with other departments. (Sales, Customer service, Operations) in order to find common grounds on their role in supporting the roll-out of these new products
Execute Credit Risk policies and procedures including call-scripts, performance monitoring and team management
Understand repayment behavior of customers through qualitative and quantitative analysis
Work with third parties to explore collaborations within the credit space in Ghana market
Financial planning for all Credit departments needs, budget control and always ensuring financial viability of all the CX departments strategies
Determine Credit risk operational strategies and implement them to ensure credit portfolio quality through adequate team productivity
Accomplish credit teams human resource needs
The successful candidate must have:
5+ years senior-level experience in credit risk management, preferably in a related industry such asset finance, banking or MFIs
Proven ability to build and manage a professional credit risk team and support functions, in a comparable industry
Experience in the development and management of reports-based credit risk analysis Have great analytical skills
Educated in a related field, such as business administration, credit risk or financial management
Capacity to innovate creating processes and structures that support delivery of credit strategies
Ability to work efficiently in a high demand, team oriented environment.
Ability to assimilate customer feedback and lead planning and execution of high level risk management strategies
Knowledge of the local business environment, particularly in financial services, and market cycles
Excellent computer literacy, communication and analytical skills
Affinity towards entrepreneurship
Outstanding people skills with the ability to fully delegate and manage by output
Strong analytical and critical thinking skills – experience in FP&A, M&E or Product Management a plus.
Natural ability to multitask and prioritize, plan and execute
Optimization of credit management processes
English fluency, French will be an added advantage
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