About this role
Job Location: Lagos, Nigeria About the role: The Phone Credit Manager - Nigeria position is a field based role under the Global Risk and Credit team in Nigeria. The role holder will be accountable for overseeing and managing credit risk & other risks within the Paygo business. This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance. Evaluate portfolio performance: a. Identifying and classifying customers at risk of default through data interpretation and direct client interaction. b. Identification of portfolio Reflags and timely reporting of the same c. Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics. d. Comprehend regional/Area trends, specific Product trends and proposing remedies to avert any negative trends. Audit & Compliance: a. Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc ) b. Provide detailed findings with actionable risk mitigation recommendations. Collections Interventions: a. Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients onboarded. b. Generate, Define and implement field collection strategies through the field teams to improve collections. Review existing policies and their impact on portfolio management and recommend adjustments or updates based on the market trends or field findings. Ensure Optimization of Portfolio segmentation is achieved by assigning accounts from different buckets to specific users and propose segmentation changes where necessary. Pilot Management: Ensure pilots in the field are well managed and tracked to meet the set success metrics by engaging the relevant stakeholders Fraud management: Ensure investigations into reported fraud cases are done in a timely manner and cases closed within SLA. Reporting & Documentation: Prepare comprehensive field reports including data collation, process documentation, and operational insights. Ensure timely and accurate reporting of risk indicators and portfolio performance metrics. Perform industry research, evaluate information collected and propose changes that will improve the drive of Sun King from both sales and collections.