About this role
- Job Location: Nairobi, Kenya About the Role The Credit Manager - PayGo Phones Kenya is a field-based position within the Global Risk and Credit team.
- The role focuses on overseeing credit and related risk areas within the PAYGo business in Kenya.
- It involves shaping, implementing, and maintaining effective credit risk controls and operational practices to strengthen portfolio quality and regulatory adherence.
- Portfolio Performance Oversight Review portfolio performance to identify customers showing early signs of repayment difficulties through data review and direct field engagement.
- Track portfolio risk indicators and ensure timely escalation and visibility.
- Produce consistent and accurate portfolio performance and risk indicator reports.
- Monitor regional, area, and product-level trends and recommend corrective actions to address emerging risk exposures.
- Audit & Compliance Carry out internal reviews to identify gaps across credit-related processes, including underwriting, collections, onboarding, repossession, and customer detail updates.
- Confirm alignment with internal policies and regulatory requirements.
- Document findings clearly and outline practical risk mitigation actions.
- Collections & Field Interventions Apply preventative collection approaches, including KYC and onboarding practices that enhance customer quality.
- Design and roll out field-informed collection approaches in partnership with field teams to improve recovery outcomes.
- Evaluate existing policies and their portfolio impact, proposing updates informed by market conditions and field insights.
- Improve portfolio segmentation by aligning customer buckets with appropriate ownership models and recommending adjustments where required.
- Pilot & Initiative Management Oversee field pilots to ensure they are tracked, documented, and measured against defined success criteria through engagement with relevant teams.
- Fraud Case Oversight Ensure reported fraud cases are reviewed promptly and resolved within established timelines.
- Reporting & Documentation Compile structured field reports covering data summaries, operational observations, and process documentation.
- Maintain consistency and accuracy in risk and portfolio performance reporting.
- Conduct market and sector research and translate findings into recommendations that strengthen Sun King’s market position across sales and collections.